The Effect of CAR, NPF, FDR on The Profitability of BTPN Syariah Bank 2014-2024
Pengaruh CAR, NPF, FDR Terhadap Profitabilitas di Bank BTPN Syariah Tahun 2014-2024
DOI:
https://doi.org/10.21070/ups.7274Keywords:
Capital Adequacy Ratio, Non-Performing Financing (NPF), FDR, Profitability Ratio, BTPN SyariahAbstract
his study analyzes the impact of capital adequacy ratio (CAR), non-performing loans (NPL), and funding to deposit ratio (FDR) on the profitability of Bank BTPN Syariah from 2014 to 2024. It examines how these factors interact amid rising inflation, the Covid-19 pandemic, and inclusive financing. Using quantitative methods with multiple linear regression, the study relies on secondary data from the bank’s quarterly financial reports. ROA is the dependent variable, while CAR, NPF, and FDR are independent variables. Analysis is conducted using SPSS and Excel. Results show CAR positively affects ROA, NPF negatively affects ROA, while FDR has no significant effect. However, CAR, NPF, and FDR together significantly influence profitability. This study reinforces empirical evidence on these factors' effects on Islamic bank profitability in Indonesia and highlights the crucial role of capital management and funding risk in maintaining stability amid economic challenges.
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