Pengaruh BI Rate, Capital Adequacy Ratio (CAR) dan Beban Operasional Pendapatan Operasional (Bopo) Terhadap Profitabilitas Bank Umum Syariah Tahun 2020-2023

Nabila Syifa Azzahra, Nur Diana, Dewi Diah Fakhriyyah

Abstract


The banking sector plays an important role in supporting economic growth, serving as a mediator between those who have excess funds and those who need funds. Islamic banks, as one type of banking in Indonesia, operate based on sharia principles that avoid elements of usury and replace them with a profit-sharing-based system. This study aims to determine the BI Rate, Capital Adequacy Ratio, and BOPO on the Profitability of Islamic Commercial Banks in the period 2020-2023. Through quantitative methods, this research will answer the influence between variables, both partially. This research offers a new perspective by combining the latest data for the 2020-2023 period to comprehensively evaluate the financial performance of Islamic Commercial Banks. The results of this study found that partially, BI Rate and BOPO have no significant effect on ROA. Since ROA is not affected by the BI Rate, Islamic banks need to focus on diversifying financial products that are less dependent on market interest rates, such as financing based on Islamic contracts (mudharabah, musyarakah, and others) and BOPO has no significant effect on ROA indicating that operational efficiency (BOPO) alone is not enough to increase profitability.  Meanwhile, CAR shows a significant positive effect on ROA. Thus, with a high CAR, banks have the capacity to better deal with credit, operational, and market risks. This can improve financial stability, customer confidence, and long-term profitability.

Keywords: BI Rate, CAR, BOPO, Profitability, Sharia Bank


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