PENGARUH NET OPERATING MARGIN (NOM) DAN FINANCING TO DEPOSIT RATIO (FDR) TERHADAP CAPITAL ADEQUACY RATIO (CAR) PADA BANK UMUM SYARIAH DI INDONESIA

This study aims to determine the effect of the Capital Adequacy Ratio (CAR), Operating Expenses and Operating Income (BOPO), and Net Core Operating Margin (NCOM) on the Financial Sustainability Ratio (FSR) partially and simultaneously. This study used a quantitative approach. The type of data used is secondary data obtained from the annual financial statements published on the official website of each Sharia Commercial Bank for the 2017-2021 period. The sample in this study amounted to 10 Sharia Commercial Banks in Indonesia selected by purposive sampling method. The data analysis techniques used are descriptive statistical analysis, classical assumption tests, hypothesis tests, and multiple linear regression tests with the help of SPSS software. The results showed that the Capital Adequacy Ratio (CAR) had a partial positive and insignificant effect on the Financial Sustainability Ratio (FSR). In part, BOPO has a negative and significant effect on the Financial Sustainability Ratio (FSR). Partially, the Net Core Operating Margin (NCOM) has a positive and significant effect on the Financial Sustainability Ratio (FSR). Simultaneously, the variables Capital Adequacy Ratio (CAR), Operating Cost and Operating Income (BOPO), and Net Core Operating Margin (NCOM) have a significant effect on the Financial Sustainability Ratio (FSR) and the value of the coefficient of determination (R²) of 0.608 or 60.8%.

<p class="IABSSS"><strong>Purpose</strong> - This study aims to analyze the effect of inflation, gross domestic product (GDP), capital adequacy ratio (CAR), and financing to deposit ratio (FDR) to non performing financing (NPF) at Islamic Commercial Banks in Indonesia.</p><p class="IABSSS"><strong>Method</strong><strong> </strong>- The research approach used is a quantitative approach. Determination of samples is done by purposive sampling method. The data used is secondary data, obtained from publication reports on the official website of each Sharia Commercial Bank, Bank Indonesia, and the Central Statistics Agency. The population in this study were all Islamic Commercial Banks registered in the Statistics of Islamic Banking in Indonesia for the period 2013-2017. Based on the specified criteria, five Sharia Commercial Banks were obtained as research samples. This study uses panel data regression analysis with the Fixed Effects Model approach which is processed through the Eviews 10 program.</p><p class="IABSSS"><strong>Result</strong><strong> </strong>- The results of hypothesis testing show that partially Inflation has a positive but not significant effect on NPF, GDP has a significant negative effect on NPF, CAR has a negative but not significant effect on NPF, and FDR has a significant negative effect on NPF. Simultaneously inflation, GDP, CAR, and FDR have a significant effect on NPF.</p><p class="IABSSS"><strong>Implication</strong> - This study uses all data from commercial Islamic bank.</p><strong>Originality</strong> - This study analyzes the determining factors that influence financing risks from both internal and external factors.

The purpose of this research is to analyze the factors that affect liquidity in Islamic Commercial Banks (ICBs) in Indonesia. The data used in this study are secondary data obtained from the Financial Services Authority (OJK). The method used in this research is Multiple Linear Regression. To examine the factors influencing the liquidity of Islamic banks in Indonesia, the variables used are Short Term Mismatch (STM), Capital Adequacy Ratio (CAR), Return on Assets (ROA), and Non-Performing Financing (NPF). This study uses monthly data from 2020 to 2023. The results of the study indicate that CAR and NPF variables have a positive and significant influence on STM, while the ROA variable has a positive influence but is not significant to the dependent variable STM. In this regard, it is recommended that Islamic banks maintain a healthy STM condition by increasing CAR and ROA and reducing NPF.

Islamic banking is one of the financial institutions whose activities are financial intermediation between the owners of capital and those who need capital. This study was conducted to know and analyze the impact of inflation as a moderating influence of financial performance on the growth of Islamic banking in Indonesia. The financial performance used consists of return on assets (ROA), non-performing financing (NPF), net operating margin (NOM), capital adequacy ratio (CAR), financing to Deposit Ratio (FDR), and operating expenses for operating income (BOPO). The data used is secondary data, obtained from the results of financial reports published on the official website of the Otoritas Jasa Keuangan (OJK) from January 2015 to December 2019. The analysis results show that, in general, inflation cannot moderate the influence of financial performance on rbanking growth—Sharia in Indonesia. Inflation can only be a predictor of the effect of return On Assets and net operating margin on the growth of Islamic banking in Indonesia. Meanwhile, the variables of non-performing financing (NPF), capital adequacy ratio (CAR), financing to deposit ratio (FDR), and operating expenses for operating income (BOPO) are not able to be a moderator or as a predictor

This study aims to analyze the effect of the Capital Adequacy Ratio, Net Non-Performing Financing, and Return on Assets on the market share of Islamic Commercial Banks in Indonesia. Market share is measured as the percentage of Islamic Commercial Banks assets relative to total national banking assets. The study employs a quantitative approach using multiple linear regression analysis with quarterly aggregate data of Islamic Commercial Banks from Q1 2010 to Q4 2024. Data were obtained from the Islamic Banking Statistics published by the Financial Services Authority. The results reveal that Capital Adequacy Ratio and Net Non-Performing Financing significantly influence market share, while Return on Assets does not. Simultaneously, the three variables significantly affect market share with a coefficient of determination of 70.4%. These findings highlight that capital adequacy and financing quality are the primary factors driving the competitiveness of BUS, while profitability Return on Assets does not have a direct impact on market share expansion

This study aims to analyze the effect of the Capital Adequacy Ratio, Net Non-Performing Financing, and Return on Assets on the market share of Islamic Commercial Banks in Indonesia. Market share is measured as the percentage of Islamic Commercial Banks assets relative to total national banking assets. The study employs a quantitative approach using multiple linear regression analysis with quarterly aggregate data of Islamic Commercial Banks from Q1 2010 to Q4 2024. Data were obtained from the Islamic Banking Statistics published by the Financial Services Authority. The results reveal that Capital Adequacy Ratio and Net Non-Performing Financing significantly influence market share, while Return on Assets does not. Simultaneously, the three variables significantly affect market share with a coefficient of determination of 70.4%. These findings highlight that capital adequacy and financing quality are the primary factors driving the competitiveness of BUS, while profitability Return on Assets does not have a direct impact on market share expansion

This study aims to explore the impact of the influence of Maqashid Syariah as a moderating variable on the variables capital adequacy ratio, operational costs, non-performance finance, Sharia supervisory board, and independent board of commissioners in influencing the profitability of Islamic banks in Indonesia. using panel data regression analysis, which is a combination of time series and cross-sectional data. The sample consists of 11 Islamic commercial banks with a time series from 2015 to 2020. The factors in the study are based on previous empirical literature. The findings show that the variables that have been moderated by Maqashid Shariah, such as the capital adequacy ratio and the Sharia supervisory board, are more significant than the variables of operational costs, non-performance finance, and the independent board of commissioners in influencing the profitability of Indonesian Sharia banking. The results of the study show that profitability growth, as measured by the moderation of the Islamic Maqashid variable on the capital adequacy ratio and the Sharia supervisory board, is a significant determinant of profitability, which implies that most of the profitability of Islamic banking in Indonesia is motivated by the capital adequacy ratio and the Sharia supervisory board, which is statistically significant. The coefficients of the capital adequacy ratio and Sharia supervisory board measures imply that these variables have a positive effect on the profitability of Islamic banking in Indonesia. The increase in profitability of Islamic banking in Indonesia, as measured by the capital adequacy ratio and the Sharia supervisory board, has a positive effect on profitability; these findings indicate that the growth of factors such as operational costs, non-performance finance, and the independent board of commissioners in influencing profitability of Indonesian Sharia banking is not motivating.

Abstrack: The aims of this research are to analyze the influence of Third Party Fund (DPK), Non Performing Financing (NPF), the BI Rate and Capital Adequacy Ratio (CAR) partially and simultaneously to the Distribution Financing Islamic Banks in Indonesia 2011-2015. The population in this research is all Islamic Banks in Indonesia in Period 2011-2015. This research uses purposive sampling method. The amount of sample in this research is 5 (five) Islamic Banks. The analysis model uses panel data reggresion model and analysis techniques techniques to the hypothesis uses Ftest,t-test, and R2 test.The results in this research in Third Party Fund (DPK) partially has positive andsignificant effect to Financing Distribution of Islamic Banks in Indonesia in Period 2011-2015, Ratio of Non-Performing Financing (NPF) partially negative and not significant to Distribution Financing Islamic Banks in Indonesia in Period 2011-2015, BI Rate is partially positive and significant to FinancingDistribution of Islamic Banks in Indonesia period 2011-2015, and the ratio of Capital Adequacy ratio (CAR) partially negative and significant to FinancingDistribution of Islamic Banks in Indonesia 2011-2015 , Simultaneously ThirdParty Fund (DPK), Non Performing Financing (NPF), the BI Rate and Capital Adequacy Ratio (CAR) have significant effect to Financing Distribution of Islamic Banks in Indonesia 2011-2015.

The purpose of this study is to find out and analyze internal factors and external factors of Islamic banking that can affect the profitability of Islamic Banking both simultaneously and partially. The dependent variable used in this study is incomesmoothing which is proxied by Profitability which is proxied by the Return On Assets (ROA), while the independent variables in this study are Capital Adequacy proxied by the Capital Adequacy Ratio (CAR), Finance Risk proxied by Non Performing Finance (NPF), Inflation, and BI Rate. This research was conducted at Sharia Commercial Banks in Indonesia for the period 2015. The population in this study is Islamic banking in Indonesia and the sample used is Sharia Commercial Banks in Indonesia, which until 2019 amounted to 14 banks. The type of data used is secondary data that is data from the been published by Otoritas Jasa Keuangan. The type of data used is secondary data obtained from twww.ojk.com and www.bi.go.id. The analysis technique used in this study is Multiple Regression analysis using the SPSS 22 program tool.Kata kunci: Capital Adequacy Ratio, Non Perfoming Finance, Return On Asset, Inflation BI rate

Purpose: The aim of this research is to identify and analyze the financial distress of Islamic banks in Indonesia during the pandemic and economic recession through an assessment of NPF, FDR, GCG, ROA, CAR, bank size, inflation, and interest rates. This research uses Islamic bank panel data for 2018-2022 and is quantitative research.Methodology/approach: Data analysis using Stata 17, through panel data regression and the data analysis method in this study using Ordinary Least Square (OLS). Population of this research is 10 Islamic banks in Indonesia with a total observation of 50 firm-years and the data used are secondary data of annual reports of Islamic banks. Results/findings: The findings show that the financial distress of Islamic banks is influenced by FDR, ROA, and CAR, and is not influenced by NPF, GCG, bank size, inflation, and interest rates. Islamic banks must carry out efficiency, restructuring, and manage the capital adequacy ratio so that it does not have an impact on the company's financial performance.Conclusions: The financial distress in Islamic banks in Indonesia during the COVID-19 pandemic and economic recession is significantly affected by the Financing to Deposit Ratio (FDR), Return on Assets (ROA), and Capital Adequacy Ratio (CAR). Limitations: The limitations of the study are that the sector studied is only Islamic banks in Indonesia so that the variables that influence are not comprehensive, allowing other variables to play a role in the financial distress of Islamic banks in Indonesia.Contribution: This research contributes by analyzing the performance of Islamic banks in Indonesia during the COVID-19 pandemic and in the face of economic recession. The widespread impact across various sectors, particularly the financial sector, underscores the need for government support through policies and regulations to ensure the stability of Islamic banks.

This study aims to give empirical prove on the factors that affecting early warning bankruptcyof Islamic banking in Indonesia using RGEC method. The factors that are tested in this study are Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Good Corporate Governance (GCG), Return on Assets (ROA), Net Operating Margin (NOM), and Capital Adequacy Ratio (CAR). The sample of this study consists of 7 Islamic banking in Indonesia. The data used is the quartile report of financial statements and the GCG report while the statistical method used is panel regression.The result shows that Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Return On Assets (ROA), and Capital Adequacy Ratio (CAR) gives impact to the early warning bankruptcy of the Islamic banking, while Good Corporate Governance (GCG) and Net Operating Margin (NOM) does not have any effect on the early warning bankruptcy. This implies that GCG and NOM are not inline with the policy, theory and previous studies.

This study aims to provide empirical evidence about the effect of bank soundness by using Risk Profile, Good Corporate Governance, Earnings, Capital (RGEC) methods on the financial performance of sharia commercial banks in Indonesia. The formulation of the problem in this research is whether there is an effect of the soundness of the Islamic Commercial Bank with the RGEC method with the banking performance in Indonesia in the 2011-2015 period? How much influence does the bank's health level have on the RGEC method on the performance of Islamic Banks in Indonesia? The research sample consisted of 7 Islamic banks in Indonesia. The data used are quarterly financial statements of sharia commercial banks and GCG implementation reports. The statistical method used to test the research hypothesis is multiple linear regression. The results of data testing stated that there was no heterocedasticity, autocorrelation, multicollinearity, and data with normal distribution. The results showed that Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Net Operating Margin (NOM) and Capital Adequacy Ratio (CAR) had an influence on the financial performance of Islamic commercial banks, while Good Corporate Governance (GCG) did not have influence on the financial performance of Islamic commercial banks. The effect of bank soundness on the financial performance of Islamic banks was 39.40%, while 60.60% was influenced by other factors outside this study.

The main problem in this research is the slowdown in the growth of Islamic banking in Indonesia. This is thought to be caused by the soundness of the banks themselves and the decline in banking performance. This Study selects the dependent variable of the performance of Islamic banking, namely the ratio of Financing to Deposit Ratio (FDR) which represents the level of liquidity, and Return on Assets (ROA) which represents the profit of Islamic banking. As for the independent variable, this study examines financial ratio which is included in the bank health assessment ratuis according to the Bank Indonesia version which refers to the elements of Capital, Assets, Quality, Management, Earnings, Liquidity, and Sensitivity, Shile in this study applying financial ratios commonly used to measure the financial performance of banks, including Capital Adequacy Ratio (CAR), Operating Costs to Operating Income (BOPO), Net Interest Margin (NIM) in conventional banks, Net Operation Margin (NOM) in Islamic banks, Non Performing Loans (NPL) in conventional banks and Non-Performing Financing (NPF) in Islamic banks. Therefore, it is necessary to re-examine the consistency of these variables in influencing banking performance, especially Islamic banking in Indonesia. The method used in this research is panel data regression analysis. This method is also used to obtain valid and reliable data so that it can be developed as the knowledge that can be used to understand, solve and anticipate problems in organizations, especially sharia taxis. The purpose of this study was to determine and analyze the effect of the soundness ratio of Islamic banking as measured by bank health ratios, namely CAR, NPF, BOPO, and NOM on Islamic Banking Financial Performance as proxied on the level of bank profit or profitability (ROA) and the level of liquidity (FDR). The results of this study, CAR has a positive effect on ROA. Meanwhile, FRD CAR has a negative effect. NPF has a negative effect on ROA and FDR. NOM has a positive effect on ROA. Meanwhile, For FDR NOM has a negative effect. BOPO has a negative effect on ROA and FDR. Keywords: Islamic Banking, CAR, NPF, BOPO, NOM, ROA, FDR.

This study analyzed the health of Islamic banking in Indonesia and Malaysia by using the REC approach. Through the quantitative descriptive method, this study collected data from official websites such as Bank Indonesia, the Financial Service Authority, and Bank Negara Malaysia. To determine the sample, purposive sampling with convenience sampling was done on 12 Islamic Commercial Banks in Indonesia and Malaysia. The risk profile is represented by the FDR ratio. It indicates significant differences in the soundness level of Islamic banks in Indonesia and Malaysia. Earning approach is represented by the ROA suggesting no significant difference in the soundness level of Islamic banking in Indonesia and Malaysia. For the capital approach represented by the CAR ratio, the results show that there is no significant difference in the soundness of Islamic banking in Indonesia and Malaysia. Simultaneously, the REC approach proves that there is no significant difference in the soundness of Islamic banking in Indonesia and Malaysia.

This study has the objective of conducting a Systematic Literature Review (SLR) on Capital Adequacy Ratio (CAR), Non Performing Finance (NPF), Operating Costs and Operating Income (BOPO), and Financing Deposit To Ratio (FDR) on Profitability at Bank Syariah Indonesia in 2017- 2022[A1]. This review uses data collection methods from journals related to CAR, NPF, BOPO and to the Profitability of Bank Syariah Indonesia. The results of the research question (RQ: 1) on the method that is often used to conduct research related to the influence of CAR, NPF, BOPO and FDR on Profitability in Islamic Banks in Indonesia, the results obtained are the paper category based on the data collection technique using secondary data collection techniques in the form of Annual Report on Islamic banks through the official website as well as data in OJK (Financial Services Authority) publications. Furthermore, the results of the research question (RQ: 2), namely the journal that has the most significant effect of financial ratios on the profitability of Islamic Banks, there are 12 journals that analyze that every year there are journals that discuss this matter, even the most in 2022 are several journals with a quantitative approach. The results for the research question (RQ: 3) are about the factors that influence financial ratios on profitability, the results obtained are paper categories based on factors that affect profitability. That the greater the CAR value, the higher the NPF level, the lower the costs incurred and the amount of income or BOPO and the suitability of raising funds and distributing financing or FDR has an effect on the Profitability of Islamic Banks in Indonesia based on research in these papers.