Pengaruh CAR, NPF, BOPO, ROA, Dan FDR Terhadap Pembiayaan Murabahah Pada Bank Umum Syariah Yang Terdaftar Di OJK Periode 2021-2024
DOI:
https://doi.org/10.30762/wadiah.v10i2.3151Keywords:
bank syariah, Murabahah Financing, camelAbstract
Indonesia is a significant player in global Islamic finance, yet the growth of its Islamic banking market share still lags behind conventional banking. While Murabahah financing was previously dominant in Indonesian Islamic banking, it has fallen below Musyarakah financing in the last two years, raising questions about its impact on Islamic bank performance. This study examines the relationship between the financial health of Islamic Commercial Banks (BUS), assessed using the CAMEL analysis (Capital, Asset, Management, Earning, Liquidity), and Murabahah Financing in Indonesia, analyzing data from OJK-registered BUS from 2021-2024. The independent variables include Capital Adequacy Ratio (CAR), Nett Performance Financing (NPF), Operating Expenses to Operating Income (BOPO), Return on Asset (ROA), and Financing to Deposit Ratio (FDR), with Murabahah Financing as the dependent variable. Using quantitative regression analysis, the research found that CAR, NPF, BOPO, and ROA significantly influence Murabahah Financing, while FDR does not.
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