ANALISIS PENGARUH CAR, BOPO, NPF, DAN FDR TERHADAP PROFITABILITAS BANK SYARIAH DAN BANK KONVENSIONAL DI INDONESIA PERIODE 2013-2020

Abstract

In Indonesia, the development of the conventional banking industry and Islamic banking has grown rapidly. however, the two banks compete to maintain their existence in the banking industry. The profitability of an industry is an indicator of the sustainability of the industry. The purpose of this study is to see the significance of profitability between the two, to predict the existence of conventional banks and Islamic banks. This research is a quantitative study, using secondary data taken from the website of the financial services authority. The data is processed using multiple linear regression method using the SPSS 25 software application. The results of research at BRI bank show that the CAR variable has a negative and insignificant effect. While the BOPO variable has a significant negative effect. Then the LDR variable has a negative and insignificant effect. Then the NPL variable has a negative and insignificant effect. The results of research at Muamalat bank show that the CAR variable has a negative and insignificant effect. While the BOPO variable has a negative effect. Then the FDR variable has a positive effect. Then the NPF variable has a negative and insignificant effect. With the Adjusted R-Square value of BRI Bank 91.2% which shows the magnitude of the influence of the independent variable on the ROA variable and the remaining is 8.8%, and the Adjusted R-Square value of Bank Muamalat Indonesia is 98.8% which shows the magnitude of the influence of the independent variable on the variable ROA and the remaining 1.2%. Meanwhile, simultaneously it shows that the variables CAR, OEOI, FDR, and NPF have a significant effect on the variable ROA of Bank BRI and Bank Muamalat Indonesia in Indonesia.