PENGARUH NPF, FDR, BOPO, INFLASI, DAN BI 7-DAY REVERSE REPO RATE TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA TAHUN 2015-2023

Qoriatun Nisak, NIM.: 20108020019 (2024) PENGARUH NPF, FDR, BOPO, INFLASI, DAN BI 7-DAY REVERSE REPO RATE TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA TAHUN 2015-2023. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

Profitability is one of the most appropriate indicators in measuring the financial performance of a company. This research aims to test the influence of the variables NPF, FDR, BOPO, Inflation, and BI 7-Day Reverse Repo Rate on the profitability (ROA) of Islamic commercial banks in Indonesia. This research uses quantitative research methods. The research object consists of 13 Islamic commercial banks in Indonesia which are registered with the Financial Services Authority (OJK). This research data is secondary data with time series data type (time series) sourced from Sharia Banking Statistics (SPS) from January 2015 to October 2023. Data analysis techniques use the ECM model (Error Correction Model). The results of this research show that simultaneously in the short term and long term there is a significant influence between the ROA (Y) variable and NPF (X1), FDR (X2), BOPO (X3), Inflation (X4), and BI-7DRR (X5) . Partially, in the short term, BOPO has a significant negative effect on ROA, while NPF, FDR, Inflation, BI-7DRR have no effect on the profitability of Islamic commercial banks. Partially, in the long term, the FDR and BOPO variables have a significant negative effect on ROA, while the NPF, Inflation, BI-7DRR variables have no effect on the profitability of sharia commercial banks.

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