PENGARUH INDIKATOR KINERJA KEUANGAN TERHADAP NPF BANK UMUM SYARIAH PERIODE 2020-2023

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Riska Dewi
Sulfiana
Pardi R

Abstract

This study examines the effect of financial performance, namely the ratio of Return on Assets (ROA), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and Operational Costs to Operating Income (BOPO) on Non- Performing Financing (NPF) of registered Islamic Commercial banks at OJK Indonesia 2020-2023. The data analysis method used is the Error Correction Model (ECM), which analyzes the relationship between the independent variables and the dependent variable in the long and short term. The results of the analysis show that in the long term has no significant effect on NPF, but in the short term it has a negative and significant effect on NPF: the FDR variable in the long term and short term has a positive and significant effect on NPF: and the BOPO variables in the long term and short term have a positive and significant effect on NPF.

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