THE EFFECT OF FINANCING RESTRUCTURING, NON-PERFORMING FINANCING, AND CAPITAL ADEQUACY RATIO ON PROFITABILITY

Abstract

This research was conducted to determine whether there is an influence of financing restructuring, Non-Performing Financing (NPF), and Capital Adequacy Ratio (CAR) on profitability in banking, especially Bank Muamalat Indonesia. The research approach used in this research is quantitative research and uses descriptive methods. This research uses secondary data taken from Bank Muamalat Indonesia's quarterly financial reports for 2016-2022. The data analysis method used in this research is the multiple linear regression analysis method. The research results show that financing restructuring, Non-Performing Financing (NPF), and Capital Adequacy Ratio (CAR) partially do not have a significant effect on profitability, while together they have a positive relationship with profitability.