Analisis Pengaruh NPF, GGC, ROA dan CAR pada Bank Syariah Terhadap Kinerja Keuangan dalam Perspektif Deposan (Studi Kasus Bank Syariah Indonesia Tahun 2016- 2020)

📝 Deskripsi / Abstrak

This study aims to determine how the influence of the soundness of Islamic banks on financial performance in the perspective of depositors. The measurement of the level of bank soundness for the risk profile variable is represented by the NPF, the GCG variable using a composite rating value, the profitability variable is represented by ROA and the capital variable is represented by CAR. In addition, there is a control variable in the form of bank size. The research sample was taken by purposive sampling technique and resulted in 11 Islamic bank companies. The observation period begins in 2016 and ends in 2020. The analytical method used is panel data regression analysis which is processed using Eviews 10 software. Based on the results of data analysis, the Random Effect Model (REM) is the appropriate model used in this study. Simultaneously, all independent variables (NPF, GCG, ROA and CAR) have a significant influence on the Profitsharing Investment Account. Partially, only the NPF, GCG and Bank Size variables have a significant effect on the Profitsharing Investment Account, while the ROA and CAR variables have no significant effect on the Profitsharing Investment Account.