Pengaruh Dana Pihak Ketiga (DPK), Non Performing Financing (NPF), Financing To Deposit Ratio (FDR), Operational Efficiency Ratio (OER) terhadap Profitabilitas Pada Bank Muamalat Periode 2013 - 2022

The Influence of Third Party Funds (DPK), Non Performing Financing (NPF), Financing To Deposit Ratio (FDR), Operational Efficiency Ratio (OER) on Profitability at Bank Muamalat for the 2013 - 2022 Period

Ketahanan Bank Muamalat yang membuat Bank Muamalat bertahan hingga saat ini dapat dinilai dari kinerja keuangannya. Kinerja Bank Muamalat berpengaruh terhadap profitabilitas yang diperoleh Bank Muamalat. Penelitian ini bertujuan untuk menguji pengaruh Dana Pihak Ketiga (DPK), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Operational Efficiency Ratio (OER) terhadap Profitabilitas pada Bank Muamalat periode 2013 – 2022. Penelitian ini bersifat kuantitatif dengan pendekatan asosiatif kausal, dan menggunakan metode non-probability sampling. Teknik analisis data Regresi Linier Berganda menggunakan aplikasi SPSS. Hasil penelitian mengungkapkan bahwa secara parsial diketahui Dana Pihak Ketiga (DPK) tidak berpengaruh signifikan terhadap ROA, Non Performing Financing (NPF) tidak berpengaruh signifikan terhadap ROA, Financing to Deposit Ratio (FDR) berpengaruh signifikan terhadap ROA. berpengaruh positif signifikan terhadap ROA, Rasio Efisiensi Operasional (OER) berpengaruh negatif signifikan terhadap ROA. Dana Pihak Ketiga (DPK), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Rasio Efisiensi Operasional (OER) secara simultan berpengaruh terhadap profitabilitas. Implikasi dari hasil penelitian ini bagi Bank Muamalat adalah dapat menjaga kinerja sehingga dapat menyalurkan pembiayaan sesuai dengan ketentuan yang ada guna memperoleh profitabilitas yang tinggi. Diharapkan bagi peneliti selanjutnya dapat menambahkan periode dan objek penelitian sehingga dapat melihat pengaruh lain terhadap profitabilitas.

The resilience of Bank Muamalat which has made Bank Muamalat survive until now can be assessed from its financial performance. Bank Muamalat's performance influences the profitability obtained by Bank Muamalat. This research intends to examine the influence of third party funds (DPK), non-performing financing (NPF), financing to deposit ratio (FDR), operational efficiency ratio (OER) on profitability at Bank Muamalat for the period 2013 - 2022. This research is quantitative in nature with an approach causal associative, and using non-probability sampling methods. Multiple Linear Regression data analysis technique using the SPSS application. The results of this research reveal that it is partially known that Third Party Funds (DPK) do not have a significant effect on ROA, Non Performing Financing (NPF) does not have a significant effect on ROA, Financing to Deposit Ratio (FDR) has a significant positive effect on ROA, Operational Efficiency Ratio (OER) has a significant negative effect on ROA. third party funds (DPK), non-performing financing (NPF), financing to deposit ratio (FDR), operational efficiency ratio (OER) simultaneously influence profitability. The implication of the results of this research for Bank Muamalat is that it can maintain performance so that it can channel financing in accordance with existing regulations in order to obtain high profitability. It is hoped that future researchers will be able to add research periods and objects so that they can see other influences on profitability.