Pengaruh Rasio Kesehatan Bank (CAR, NPF, FDR, BOPO) Terhadap Return On Assets pada Bank Umum Syariah di Indonesia
Pengaruh Rasio Kesehatan Bank (CAR, NPF, FDR, BOPO) Terhadap Return On Assets pada Bank Umum Syariah di Indonesia
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Pengaruh Rasio Kesehatan Bank (CAR, NPF, FDR, BOPO) Terhadap 资产回报 pada Bank Umum Syariah di Indonesia
DOI：
10.33395/owner.v5i1.312
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发表时间：
2021
期刊：
影响因子：
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通讯作者：
Heidy Paramitha Devi
中科院分区：
文献类型：
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作者：
Heidy Paramitha Devi
银行的财务业绩反映在其财务报告中。对银行业绩的评估可以通过财务比率分析方法来衡量，其中之一是银行创造利润的能力或罗阿的比率。一家银行在创造良好的利润时，必须说是健康的，银行的健康比率可以描述银行的健康状况，包括资本充足率水平、流动性比率和银行营业费用比率。本研究的目的是找出并分析银行健康比率水平对伊斯兰教公立银行财务绩效的影响。人口是Bank Umum Syariah（BUS）在印度尼西亚，在2016- 2020年期间在印度尼西亚银行目录中注册，即14 Bank Syariah。本研究结合一个研究对象和一个时间维度，通过数据分析工具eviews 8进行测量，检验模型选用固定效应模型-最小二乘虚拟变量。F检验结果表明，六个变量同时影响贷款额的概率值（F-统计量）为0.000000。假设检验结果表明，CAR和NPF对罗阿没有影响，FDR对罗阿有显著的正向影响，BOPO对罗阿有显著的负向影响。
Banking financial performance is reflected in their financial reports. Assessment of bank performance can be measured through financial ratio analysis approaches, one of which is the ratio of the bank's ability to generate profits or ROA. In generating good profits, a bank must be said to be healthy, the bank's health ratio which can describe the bank's health condition includes the level of capital adequacy, liquidity ratios, and bank operating expense ratios. The aims of the research are to find out and analyze the influence of the level of bank health ratio on the financial performance of Syariah Public Banks. The population are Bank Umum Syariah (BUS) in Indonesia which is registered in Bank Indonesia directory period 2016- 2020 that is 14 Bank Syariah. This study combined of a research object and one-time dimension, measurement by data analysis tools eviews 8, the test model chosen is the Fixed Effect Model - Least Square Dummy Variable. F test results showed that six variables simultaneously affect the amount of lending with the value of Prob (F-statistic) 0.000000. Hypothesis test results showed that CAR and NPF ratios have no influence to ROA, while FDR has a positive significant influence to ROA and BOPO ratio has a negative influence on ROA.