PENGARUH CAPITAL ADEQUACY RATIO, NON PERFORMING FINANCING, RETURN ON ASSET, OPERATIONAL EFFICIENCY RATIO DAN FINANCING TO DEPOSIT RATIO TERHADAP MARKET SHARE BANK UMUM SYARIAH DI INDONESIA PERIODE 2020-2024

RISKA, YULIANTI (2025) PENGARUH CAPITAL ADEQUACY RATIO, NON PERFORMING FINANCING, RETURN ON ASSET, OPERATIONAL EFFICIENCY RATIO DAN FINANCING TO DEPOSIT RATIO TERHADAP MARKET SHARE BANK UMUM SYARIAH DI INDONESIA PERIODE 2020-2024. Diploma thesis, UIN Raden Intan Lampung.

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Abstract

ABSTRAK Penelitian ini menganalisis pengaruh kinerja keuangan yaitu Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Return on Asset (ROA), Operational Efficiency Ratio (OER), dan Financing to Deposit Ratio (FDR) terhadap market share Bank Umum Syariah (BUS) di Indonesia selama 2020–2024. Data sekunder dianalisis menggunakan regresi linier berganda dengan uji deskriptif, uji asumsi klasik (normalitas, multikolinearitas, autokorelasi, heteroskedastisitas), serta uji hipotesis (koefisien determinasi dan parsial). Hasil menunjukkan bahwa CAR dan FDR berpengaruh negatif signifikan secara parsial terhadap market share BUS, ROA dan OER berpengaruh positif signifikan terhadap market share BUS sedangkan NPF tidak signifikan pada tingkat signifikansi 0,05. Model regresi menjelaskan 38,7% variasi market share, sedangkan sisanya dipengaruhi oleh faktor lain. Penelitian ini memberikan kontribusi dalam memahami determinan pangsa pasar bank syariah di Indonesia. Kata Kunci: Kinerja Keuangan, Market Share, Bank Umum Syariah ABSTRACT This study analyzes the influence of financial performance indicators namely Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Return on Asset (ROA), Operational Efficiency Ratio (OER), and Financing to Deposit Ratio (FDR) on the market share of Islamic Commercial Banks (Bank Umum Syariah/BUS) in Indonesia during the 2020–2024 period. Secondary data were analyzed using multiple linear regression, including descriptive analysis, classical assumption tests heteroscedasticity), multicollinearity, and hypothesis testing (coefficient of determination and partial test). The results show that CAR and FDR have a significant negative partial effect on the market share of BUS, while ROA and OER have a significant positive effect. Meanwhile, NPF does not have a statistically significant effect at the 0.05 significance level. The regression model explains 38.7% of the variation in market share, with the remaining influenced by other factors. This study contributes to a better understanding of the determinants of Islamic bank market share in Indonesia.

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