Pengaruh Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Efisiensi Operasional dan Ukuran Perusahaan terhadap Profitabilitas pada PT. Bank Sumut Kantor Cabang Syariah Medan

Abstract

This research aims to determine how Capital Adequacy Ratio (CAR), Non- Performing Financing (NPF), Financing to Deposit Ratio (FDR), operational efficiency, and company size influence profitability at PT. Bank Sumut Syariah Branch Office Medan. This research is of an associative type and employs a quantitative approach. The data used in this research is secondary data in the form of financial reports for the period from January to December 2017 - 2021, with a total of 60 observations, and the analysis technique used is multiple linear regression analysis. The results of this research indicate that Capital Adequacy Ratio (CAR) has a positive and significant influence on profitability. Non- Performing Financing (NPF) has a positive and significant influence on profitability. Financing to Deposit Ratio (FDR) has a positive and significant influence on profitability. Operational efficiency has a positive and significant influence on profitability. Company size has a positive and significant influence on profitability. Collectively, Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR), operational efficiency, and company size have a positive and significant influence on profitability.