PENGARUH FINANCING TO DEPOSIT RATIO (FDR) DAN RETURN ON ASSET (ROA) TERHADAP CAPITAL ADEQUACY RATIO (CAR) PADA BANK UMUM SYARIAH YANG TERDAFTAR DI OTORITAS JASA KEUANGAN (OJK)
DOI:
https://doi.org/10.47491/landjournal.v4i1.2979Keywords:
Financing To Deposit Ratio , Return On Assets, Capital Adequacy RatioAbstract
Sharia general banking is banking that has business activities based on Islamic law or regulations. The phenomenon in the Islamic banking sector experienced negative growth due to the impact of the corona virus outbreak. This is due to increased liquidity risk, weakening capacity of banking financial assets and profitability. This study aims to prove the effect of Financing To Deposit Ratio (FDR) and Return On Assets (ROA) on the Capital Adequacy Ratio (CAR) in Islamic commercial banks registered with the Financial Services Authority (OJK) partially or simultaneously. The established hypothesis is a two-party test. The analytical techniques applied are data normality test, product moment correlation test, multiple correlation test, multiple linear regression analysis test, coefficient of determination test, t test and F test. Statistical calculations using the IBM SPSS statistic version 26 program. The results partially prove that FDR (X1) has no effect on CAR(Y) and ROA(X2) has a significant effect on CAR(Y). Meanwhile, simultaneously FDR(X1) and ROA(X2) have a significant effect on CAR(Y).
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