Pengaruh Dana Pihak Ketiga, Capital Adequacy Ratio an Financing to Deposit Ratio terhadap Profitabilitas Bank Umum Syariah Indonesia Tahun 2018 – 2022

Abstract

Syariah banks are banks that operate by upholding the principles of Islamic religious law as stipulated in the fatwa issued by the Indonesian Ulema Council (MUI). Syariah Bank is a financial institution that applies modern banking principles using methods. Syariah banking has developed very quickly in Indonesia. In a very short time, it has shown significant progress and managed to survive in the national economic system. Syariah banking is developing because there are differences between conventional and syariah banks in terms of products and investments. The aim of this research is to determine the influence of third party funds, Capital Adequacy Ratio, and Financing To Deposit Ratio on the profitability of Islamic commercial banks in 2018-2022. The population is made up of ten Syariah Commercial Banks that registered with the Financial Services Authority between 2018 and 2022. Ten Syariah Commercial Banks or fifty financial reports were used as the samples in accordance with the purposive sampling technique. Data analysis using multiple linear regression is used, taking into account conventional assumption tests and hypothesis testing using the SPSS (Statistical Package for the Social Sciences) program. The study's conclusions generally suggest that, from 2018 to 2022, Third Party Funds, the Capital Adequacy Ratio, and the Financing to Deposit Ratio will not have an adverse impact on BUS's profitability.