Determinan Stabilitas Keuangan Bank Umum Syariah
Keywords:
Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Operational Costs and Operating Income (BOPO), Return On Assets (ROA), Islamic Commercial BanksAbstract
The function of the financial system is to allocate funds from surpluses to deficits. Banks must maintain profitability and be able to pay dividends properly. A healthy bank is associated with efficiency, which generates more revenue. Researchers used the variables Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Operating Costs and Operating Income (BOPO) to assess banking financial stability, with the aim of influencing its effect on Return On Assets (ROA). This study uses quantitative research. The results of this study indicate that the 2 variables CAR and NPF have no significant effect, while the BOPO variable has a significant negative effect on the ROA of Islamic Commercial Banks for the 2016-2020 period.
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References
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