Pengaruh Non Performing Financing (NPF), Net Operating Margin (NOM), Capital Adequacy Ratio (CAR) dan Beban Operasional Pendapatan Operasional (BOPO) terhadap Return on Assets pada Bank BCA Syariah Tahun 2016-2023

Abstract

Introduction: This research aims to test and analyze the influence of NPF, NOM, CAR, and BOPO on ROA in the short and long term at BCA Syariah Bank in 2016-2023. Research Methods: This research uses a quantitative research approach with the data source, namely secondary data. The sample of this research was Bank BCA Syariah using quarterly financial report data for 2016-September 2023. The data processing technique used is the Error Correction Model (ECM). Results: The research results show that partially the Non-Performing Financing (NPF) variable does not affect the Return On Assets in the short and long term, the Net Operating Margin (NOM) variable has a positive and significant effect on the Return On Assets in the short and long term, the Capital variable Adequacy Ratio (CAR) in the short and long term has no effect on Return On Assets, and the Operating Expenses Operating Income (BOPO) variable has a negative and significant effect on Return On Assets in the short and long term. Conclusion: Simultaneously, the variables NPF, NOM, CAR, and BOPO influence ROA in the short and long term.