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Analisis Likuiditas Bank Umum Syariah di Indonesia Heri Sudarsono; Fajar Nurbani Aslam; Sarastri Mumpuni Rubha; Indah Susantun
Jurnal Ilmiah Ekonomi Islam Vol 8, No 1 (2022): JIEI : Vol. 8, No. 1, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i1.4325

Abstract

This study aims to determine the effect of capital adequacy (CAR), profitability (ROA), non-performing financing (NPF) and efficiency (BOPO) on liquidity (FDR) in Islamic commercial banks. The data for this research are Bank Central Asia (BCA) Syariah, Bank Bukopin Syariah, Bank Mega Syariah, Bank Maybank Syariah, and Bank Muamalat Indonesia in the period 2013-2018. Chow test and Hausman test were carried out to get the best panel model in this study. This study found that ROA and BOPO had a positive effect on liquidity, while CAR and NPF showed a negative effect on liquidity. The implication of this research for bank management is that there is a need for continuous efforts to increase the profitability (ROA) of Islamic commercial banks by distributing financing safely and optimally. In addition, efforts to improve efficiency (BOPO) need to be carried out by formulating a planned and measurable bank operational management program. Bank policies on ROA and BOPO levels will affect the increasing ability of Islamic banks to maintain liquidity