Analisis Pengaruh Return on Assets, Beban Operasional Pendapatan Operasional, Capital Capital Adequacy Ratio dan Financing to Deposit Ratio terhadap Non Performing Financing Bank Umum Syariah Tahun 2018-2022

Abstract

The aim of this study to determine analysis the effect of Return on Assets, Operating Expense and Income, Capital Adequacy Ratio and Financing to Deposit Ratio of Sharia Commercial Banks listed on the OJK for the 2018-2022 period. This research is a type of casual associative research with the research population being Sharia Commercial Banks registered with the OJK in 2018-2022 which amounted to 16 banks. The sample is done by purposive sampling in order to obtain 10 banks that match the criteria and become the research sample. The type of research applied is causal associative and the data collection uses a statistical dataset. The data analysis technique used is a multiple regression analysis. The results showed that partially Operating Expense and Income has a positive and significant effect on Non Performing Financing. Meanwhile, Return on Assets and Capital Adequacy Ratio have a negative and insignificant effect on Non Performing Financing. And the last, Financing to Deposit Ratio has a positive and insignificant effect on Non Performing Financing. Simultaneously, all independent variables have a positive and significant effect on Non Performing Financing of Sharia Commercial Banks listed on OJK.