The Effect of NPF, BOPO, and FDR on the Profitability (ROA) of Bank NTB Syariah

Fahrul Hudatil Atkiyan

Abstract


Islamic banking plays an important role in promoting national economic development, particularly through fund collection and financing activities based on Islamic principles. In promoting sound economic development, Islamic banking must certainly increase its profitability. This study attempts to examine the factors that influence the profitability of Islamic banks, more specifically Bank NTB Syariah, which is the focus of this study. The results of this study found that NPF and Bopo did not have a significant effect on the profitability (ROA) of Bank NTB Syariah. However, the BOPO variable did have an effect on ROA, albeit a negative one.


Keywords


Bank NTB Syariah; NPF; BOPO; FDR; ROA.

Full Text:

PDF

References


N. N. Nafiah, M. Hulaikhah, And A. A. Syaifudin, “Pengaruh Car, Npf Dan Fdr Terhadap Pembiayaan Murabahah Pada Bank Umum Syariah Di Indonesia (Studi Kasus Pada Bank Mandiri Syariah, Bank Bni Syariah Dan Bank Bri Syariah Triwulan I-Iv Tahun 2015-2019),” J. Ekon. Syariah, Vol. 5, No. September, Pp. 140–152, 2020.

L. P. Perioda, L. Spica, And W. Herdinigtyas, “Kondisi Bermasalah Pada Lembaga Perbankan Perioda 2000-2002,” No. October, 2016.

Suryani, “Analisis Pengaruh Financing To Deposit Ratio ( Fdr ) Terhadap Profitabilitas Perbankan Syariah,” Vol. 19, Pp. 47–74, 2011.

B. Oktrima And V. Indriani, “The Effect Of Return On Asset And Total Asset Turnover On Stock Return At Pt Bank Central Asia Tbk Period,” Vol. 4, No. 2, Pp. 148–159, 2023.

L. R. Adyani, “Analisis Faktor-Faktor Yang Mempengaruhi,” Pp. 1–25.

T. Rahman, “Peran Non Performing Financing (Npf) Dalam Hubungan Antara Dewan Komisaris Independen Dan Profitabilitas Bank Syariah,” Vol. 6, No. 1, Pp. 145–171, 2018.

A. Yulianto, “The Internal Factors Of Indonesian Sharia Banking To Predict The Mudharabah Deposits,” Vol. 5, No. 1, Pp. 210–218, 2016.

A. N. Dhiba And L. Esya, “Pengaruh Npf, Bopo, Gdp Dan Sbis Terhadap Pertumbuhan Aset Perbankan Syariah Di Indonesia,” Vol. 27, No. 1, Pp. 9–16, 2019.

E. S. Wibowo And M. Syaichu, “Analisis Pengaruh Suku Bunga, Inflasi, Car, Bopo, Npf Terhadap Profitabilitas Bank Syariah,” Vol. 2, Pp. 1–10, 2013.

I. Darsita, “Analisis Car, Npf, Bopo Dan Fdr Untukmengukur Tingkat Kesehatan, Serta Pengaruhnya Terhadaproa ( Studi Kasus Pada Bank Umum Syariah/Busyangterdaftardi Bei ),” J. Semarak, 2020, Doi: Https://Doi.Org/10.32493/Smk.V3i1.4513.

Mahfudz And F. M. Fachri, “( Studi Pada Bank Umum Syariah Di Indonesia Periode Tahun 2016-2019 ),” Vol. 10, No. 2000, Pp. 1–10, 2021.

L. Hakim, M. Pamikatsih, And H. Setiabudi, “Analisis Pengaruh Car, Npf, Dan Fdr Terhadap Roa Bank Umum Syariah,” Vol. 6, No. 1, Pp. 661–673, 2023.

H. Sudarsono, “Analisis Pengaruh Kinerja Keuangan Terhadap Profitabilitas Bank Syariah Di Indonesia,” Econ. J. Ekon. Islam, Vol. 8, 2017, Doi: Https://Doi.Org/10.21580/Economica.2017.8.2.1702.

Sutanti And F. Kharisma, “Pengaruh Non Performing Finance Terhadap Return On Asset Pada Perbankan Syariah Periode 2013 - 2107,” Vol. 1, No. 3, Pp. 2198–2202, 2020.

N. Indrawati, Suprihatmi S. Wardiningsih, And E. Wibowo, “Pengaruh Capital Adequacy Ratio, Non Perfoming Financing, Financing To Deposit Ratio , Biaya Operasional, Dan Pendapatan Operasional, Dan Ukuran Perusahaan Terhadap Return On Asset Bank Umum Syariah Di Indonesia,” Vol. 161, Pp. 253–264, 2015.

P. R. Astuti, “Pengaruh Car , Fdr , Npf , Dan Bopo Terhadap Profitabilitas Perbankan Syariah,” Vol. 8, No. 03, Pp. 3213–3223, 2022.

T. Hartini, “Pengaruh Biaya Operasional Dan Pendapatan Operasional ( Bopo ) Terhadap,” Vol. 2, No. 1, Pp. 20–34, 2016.

S. Amelia And M. Sholahuddin, “Dan Financing To Deposit Ratio ( Fdr ) Terhadap Return On Asset ( Roa ) Dengan Non Performing Financing ( Npf ) Sebagai Variabel Moderasi Pada Bank Umum Syariah Indonesia,” Vol. 8, No. 1, Pp. 314–330, 2025.




DOI: http://dx.doi.org/10.58258/bisnis.v4i4.9759

Refbacks

  • There are currently no refbacks.


Lisensi Creative Commons
Ciptaan disebarluaskan di bawah Lisensi Creative Commons Atribusi-BerbagiSerupa 4.0 Internasional.

Bussiness Management
p-ISSN: 2828-8203, e-ISSN: 2828-7606
Jurnal ini diterbitkan oleh Lembaga Penelitian dan Pendidikan (LPP) Mandala.

Alamat: Jl. Lingkar Selatan, Perum Elit kota Mataram Asri Blok O. No. 35, Jempong Baru, Sekarbela, Kota Mataram NTB. Indonesia