Peningkatan Kinerja Keuangan Melalui Manajemen Kesehatan Pada Bank Syariah Di Indonesia
Abstract
ABSTRAK
Tujuan dari penelitian ini untuk menganalisis manajemen kesehatan bank, yang terdiri dari capital adequacy ratio, finance to deposit ratio dan biaya operasional pendapatan operational, yang dapat mempengaruhi kinerja keuangan, dengan proksi return on assets Bank Syariah Mandiri. Penelitian ini juga menganalisis pengaruh faktor eksternal, yang terdiri dari Produk Domestik Bruto dan tingkat inflasi, yang mempengaruhi kinerja keuangan Bank Syariah Mandiri. Hasil penelitian ini ditemukan bahwa capital adequacy ratio, finance to deposit ratio dan biaya operasional pendapatan operasional berpengaruh negatif signifikan terhadap return on assets Bank Syariah Mandiri, Produk Domestik Bruto berpengaruh positif signifikan terhadap return on assets Bank Syariah Mandiri, sedangkan tingkat inflasi berpengaruh negatif signifikan terhadap return on assets Bank Syariah Mandiri.
Kata Kunci : manajemen kesehatan bank, capital adequacy ratio, finance to deposit ratio, biaya operasional pendapatan operasional, Bank Syariah Mandiri
ABSTRACT
The purpose of this research is to analyze bank sound management, consisting of capital adequacy ratio, finance to deposit ratio and operational cost of operational income, which can influence financial performance, with proxy of return on assets of Bank Syariah Mandiri. This study also analyzed the influence of external factors, which consist of Gross Domestic Product and inflation rate, which affect the financial performance of Bank Syariah Mandiri. The results of this study found that the capital adequacy ratio, finance to deposit ratio and operational cost of operating income have a significant negative effect on the return on assets of Bank Syariah Mandiri, Gross Domestic Product has a significant positive effect on the return on assets of Bank Syariah Mandiri, while the inflation rate significantly negatively Return on assets of Bank Syariah Mandiri.
Keywords: bank sound management, capital adequacy ratio, finance to deposit ratio, operational income operational cost, Bank Syariah Mandiri.
Keywords
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DOI: https://doi.org/10.31294/jeco.v1i2.1926
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