SKRIPSI DIGITAL
Analisis Pengaruh Debt To Asset Ratio (DAR), Financing to Deposit Ratio (FDR), Beban Operasional Terhadap Pendapatan Operasional (BOPO), Pertumbuhan Produk Domestik Bruto (PDB) Dan Inflasi Terhadap Return On Asset (ROA) Bank Umum Syariah Di Indonesia Periode 2020-2024 = Analysis of the Effect of Debt to Asset Ratio (DAR), Financing to Deposit Ratio (FDR), Operating Expenses to Operating Income (BOPO), Gross Domestic Product (GDP) Growth, and Inflation on Return on Assets (ROA) of Islamic Commercial Banks in Indonesia for the Period 2020-2024
ABSTRACT
This study aims to analyze the direction and significance of the influence of Debt to Asset Ratio (DAR), Financing to Deposit Ratio (FDR), Operating Expenses to Operating Income (BOPO), Gross Domestic Product (GDP) Growth, and Inflation on Return on Assets (ROA) of Islamic Commercial Banks in Indonesia for the period 2020-2024, both simultaneously and partially.
The population in this study is all Sharia Commercial Banks in Indonesia registered with the Financial Services Authority (OJK) as of December 2024, while the sample in this study is 10 (ten) Sharia Commercial Banks in Indonesia selected using purposive sampling technique. The analysis model used in this study is a panel data regression analysis model, while the analysis techniques used are simultaneous significance tests (F-tests), coefficient of determination tests (R² tests), and partial significance tests (t-tests) processed using the Eviews 13 program.
The results of hypothesis testing and discussion show that the variables Debt To Asset Ratio (DAR), Financing to Deposit Ratio (FDR), Operating Expenses to Operating Income (BOPO), Gross Domestic Product (GDP) growth, and Inflation simultaneously have a significant effect on Return On Assets (ROA) in Islamic Commercial Banks in Indonesia. Partially, the Debt To Asset Ratio (DAR) variable has a positive and significant effect, the Financing to Deposit Ratio (FDR) has a negative and insignificant effect, Operating Expenses to Operating Income (BOPO) has a negative and significant effect, Gross Domestic Product (GDP) growth has a negative and significant effect, and Inflation has a negative and insignificant effect on Return on Assets (ROA) at Islamic Commercial Banks in Indonesia for the period 2020-2024.
Keywords : Return on Assets (ROA), Debt to Asset Ratio (DAR), Financing to Deposit Ratio (FDR), Operating Expenses to Operating Income (BOPO), Gross Domestic Product (GDP) Growth, and Inflation.
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