SKRIPSI DIGITAL
Analisis Pengaruh Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Dana Pihak Ketiga (DPK), dan Biaya Operasional Pendapatan Operasional (BOPO) Terhadap Pertumbuhan Laba Bank Umum Syariah di Indonesia Periode 2018-2023 = Analysis of the Effect of Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Third Party Funds (DPK), and Operating Costs on Operating Income (BOPO), on Profit Growth of Islamic Banks in Indonesia for the 2018-2023 Period
This study aims to analyze the significance of the effect of Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Third Party Funds (DPK), and Operating Costs on Operating Income (BOPO), on Profit Growth of Islamic Banks in Indonesia for the 2018-2023 Period both simultaneously or partially. The population in this study were all Islamic Commercial Banks in Indonesia, while the sample in this study were 10 (ten) Islamic Commercial Banks in Indonesia for the 2018-2023 period, which were selected using purposive sampling technique. The analysis model used in this research is the Panel Data Multiple Linear Regression Analysis Model, while the analysis technique uses a simultaneous significance test (F test), the coefficient of determination test (R2), and the partial significance test (t test) processed using SPSS 26 program.
The results of hypothesis proving and discussion show that the Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Third Party Funds (DPK), and Operating Costs on Operating Income (BOPO) simultaneously have a significant effect on Profit Growth at Islamic Commercial Bank in Indonesia for the 2018-2023 Period. Partially, the variable Capital Adequacy Ratio (CAR) and Third Party Funds (DPK) has no significant effect on Profit Growth, while partially Non Performing Financing (NPF) and Operational Costs on Operating Income (BOPO) have a significant effect on Profit Growth at Islamic Commercial Banks in Indonesia for the 2018-2023 Period.
Keywords: Profit Growth, Capital Adequacy Ratio (CAR), Non Performing
Financing (NPF), Third Party Funds (DPK), and Operating Costs to
Operating Income (BOPO).
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