PENGARUH RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNINGS DAN CAPITAL TERHADAP FINANCIAL SUSTAINABILITY RATIO PADA BANK UMUM SYARIAH PERIODE 2019-2023

TANTRI, AMELIA ROSA (2025) PENGARUH RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNINGS DAN CAPITAL TERHADAP FINANCIAL SUSTAINABILITY RATIO PADA BANK UMUM SYARIAH PERIODE 2019-2023. Diploma thesis, UIN Raden Intan Lampung.

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Abstract

ABSTRAK Indonesia merupakan negara dengan populasi Muslim terbesar di dunia, yang memberikan potensi besar bagi pengembangan ekonomi syariah, khususnya di sektor perbankan. Namun, perbankan syariah di Indonesia menghadapi berbagai tantangan dalam mempertahankan keberlanjutan keuangannya di tengah persaingan dengan perbankan konvensional, Ketidakpastian ekonomi global yang diakibatkan oleh fluktuasi nilai tukar, inflasi volatilitas ekonomi global, serta perubahan regulasi dan perilaku konsumen. Penelitian ini bertujuan untuk mengetahui pengaruh Risk Profile, Good Corporate Governance, Earnings, dan Capital terhadap Financial Sustainability Ratio pada bank umum syariah di Indonesia periode 2019-2023. Jenis penelitian yang digunakan adalah penelitian kuantitatif. Teknik pengumpulan data yang digunakan adalah dokumentasi, dengan populasi penelitian terdiri dari bank umum syariah yang terdaftar di Otoritas Jasa Keuangan (OJK) selama periode 2019-2023. Teknik pengambilan sampel menggunakan purposive sampling, dan total sampel yang diperoleh berjumlah 10 bank umum syariah. Teknik analisis data yang digunakan adalah regresi data panel yang diolah dengan bantuan program E-Views versi 10. Hasil penelitian menunjukkan bahwa secara parsial Risk Profile tidak berpengaruh signifikan terhadap Financial Sustainability Ratio. Good Corporate Governance tidak berpengaruh signifikan terhadap Financial Sustainability Ratio. Earnings berpengaruh signifikan terhadap Financial Sustainability Ratio. dan Capital berpengaruh signifikan terhadap Financial Sustainability Ratio. Penelitian ini memberikan kontribusi dalam pengembangan teori keuangan syariah, khususnya dalam pemahaman tentang faktor-faktor yang memengaruhi Financial Sustainability Ratio pada bank umum syariah. Kata Kunci: Risk Profile, Good Corporate Governance, Earnings, Capital, Financial Sustainability Ratio, Bank Umum Syariah. ABSTRACT Indonesia is the country with the largest Muslim population in the world, providing a significant potential for the development of the Islamic economy, particularly in the banking sector. However, Islamic banking in Indonesia faces various challenges in maintaining its financial sustainability amid competition with conventional banks, global economic uncertainty caused by exchange rate fluctuations, inflation, global economic volatility, as well as regulatory changes and shifts in consumer behavior. This study aims to examine the effect of Risk Profile, Good Corporate Governance, Earnings, and Capital on the Financial Sustainability Ratio of Islamic commercial banks in Indonesia for the period 2019-2023. This research uses a quantitative approach. The data collection method employed is documentation, with the study population consisting of Islamic commercial banks registered with the Financial Services Authority (OJK) during the period 2019-2023. The sampling technique used is purposive sampling, with a total of 10 Islamic commercial banks included in the sample. The data analysis technique applied is panel data regression, processed using E-Views version 10. The results indicate that, partially, Risk Profile does not significantly affect the Financial Sustainability Ratio (FSR). Good Corporate Governance does not significantly affect the FSR. Earnings have a significant effect on the FSR, and Capital significantly affects the FSR. This study contributes to the development of Islamic finance theory, particularly in understanding the factors that influence the Financial Sustainability Ratio of Islamic commercial banks. Keywords: Risk Profile, Good Corporate Governance, Earnings, Capital, Financial Sustainability Ratio, Islamic Commercial Banks.

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