AINUN MUTMAINAH 2021050102062, A (2025) PENGARUH FINANCING TO DEPOSIT RATIO (FDR), NON PERFORMING FINANCING (NPF), DAN BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) TERHADAP RETURN ON ASSETS (ROA) PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2021-2023. Other thesis, IAIN KENDARI.
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Abstract
ABSTRAK
Ainun Mutmainah (2021050102062). Program Studi Perbankan
Syariah Institut Agama Islam Negeri (IAIN) Kendari, Pengaruh
Financing to Deposit Ratio (FDR), Non Performing Financing
(NPF), dan Biaya Operasional Pendapatan Operasional (BOPO)
Terhadap Return on Assets (ROA) pada Bank Umum Syariah di
Indonesia Periode 2021-2023. Dibimbing oleh Dr. KH. Muhammad
Hadi, M.H.I dan Dr. Muljibir Rahman, S.EI., M.Esy.
Tujuan penelitian ini adalah untuk menganalisis pengaruh
variabel Financing to Deposit Ratio (FDR), Non Performing Financing
(NPF), dan Biaya Operasional terhadap Pendapatan Operasional
(BOPO) terhadap Return on Assets (ROA) pada Bank Umum Syariah
di Indonesia periode 2021–2023. Penelitian ini menggunakan metode
kuantitatif dengan teknik pengambilan sampel purposive sampling,
sehingga diperoleh 11 Bank Umum Syariah sebagai sampel penelitian.
Analisis data dilakukan menggunakan regresi data panel dengan
pendekatan Random Effect Model (REM) melalui bantuan perangkat
lunak Eviews versi 13. Hasil penelitian menunjukkan bahwa secara
parsial variabel FDR berpengaruh negatif signifikan terhadap ROA,
variabel NPF tidak berpengaruh signifikan terhadap ROA, sedangkan
variabel BOPO berpengaruh negatif signifikan terhadap ROA. Secara
simultan ketiga variabel independen tersebut berpengaruh signifikan
terhadap ROA dengan nilai koefisien determinasi (R²) sebesar 60,17%.
Hal ini mengindikasikan bahwa 60,17% variasi ROA dapat dijelaskan
oleh FDR, NPF, dan BOPO, sedangkan 39,83% sisanya dipengaruhi
oleh variabel lain di luar model penelitian. Implikasi penelitian ini
adalah bahwa manajemen Bank Umum Syariah perlu meningkatkan
pengelolaan pembiayaan dan efisiensi operasional dalam rangka
mengoptimalkan profitabilitas.
Kata kunci: Return on Assets, Financing to Deposit Ratio, Non
Performing Financing, Biaya Operasional Pendapatan
Operasional
ABSTRACT
Ainun Mutmainah (2021050102062). Sharia Banking Study
Programme, State Islamic Institute (IAIN) Kendari, The Effect of
Financing to Deposit Ratio (FDR), Non Performing Financing
(NPF), and Operating Costs of Operating Income (BOPO) on Return
on Assets (ROA) of Islamic Commercial Banks in Indonesia (2021
2023). Supervised by Dr. KH. Muhammad Hadi, M.H.I and Dr.
Muljibir Rahman, S.EI., M.Esy.
This study aims to examine the effect of FDR, NPF, and BOPO
at Islamic Commercial Banks in Indonesia during 2021-2023 Period.
This research uses quantitative methods. The sample was determined
using purposive sampling technique and the number of samples
selected was 11 islamic commercial banks. This study uses data panel
regression analysis with a Random Effect Model (REM) approach and
is processed using Eviews 13 software. The study results show that
partially, FDR has a negative and significant effect on ROA, indicating
that an increase in the ratio of financing to third-party funds can
reduce the profitability of Islamic banks. NPF does not has a
significant effect on ROA, demonstrating that the non performing
financing variable does not has a significant impact on the profitability
of Islamic banks during the research period. BOPO has a negative and
significant effect on ROA, indicating that higher operational expenses
compared to operational income will reduce the profitability of Islamic
banks. Simultaneously, FDR, NPF, and BOPO have a significant effect
on ROA of Islamic commercial banks with a coefficient of
determination (R2) of 60.17%. This indicates that 60.17% of the
variation in ROA can be explained by these three independent
variables, while the remaining 39.83% is influenced by other factors
not examined in this study. These finding provide implications that
Islamic bank management needs to pay attention to financing
management and operational efficiency to improve profitability.
Keywords: Return on Assets, Financing to Deposit Ratio, Non
Performing Financing, Operating Expenses Variable to
Operational Income
| Item Type: | Thesis (Other) |
|---|---|
| Uncontrolled Keywords: | Return on Assets, Financing to Deposit Ratio, Non Performing Financing, Biaya Operasional Pendapatan Operasional |
| Subjects: | Ekonomi > Bank Islam Ekonomi > Ekonomi Islam Ekonomi > Manajemen |
| Divisions: | Fakultas Ekonomi dan Bisnis Islam > Prodi Perbankan Syariah |
| Depositing User: | Nadiawati N N |
| Date Deposited: | 04 Nov 2025 02:42 |
| Last Modified: | 04 Nov 2025 02:42 |
| URI: | http://digitallib.iainkendari.ac.id/id/eprint/4089 |
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