The Effect of Third Party Funds (DP3), Capital Adequacy Ratio (CAR), and Operating Expenses to Operating Income (BOPO) to profitability at Bank Muamalat Indonesia

Abstract

The purpose of this study was to determine the effect of Third Party Funds (DP3), Capital Adequacy Ratio (CAR) and BOPO on profitability at Bank Muamalat Indonesia. The data sources used in this study come from journals, articles and data processing from bank annual reports / annual reports on the web page https://bankmuamalat.co.id and several other related web pages. The data analysis method used in this study is regression analysis and hypothesis testing analysis using SPSS as an analytical tool. The results showed that third party funds (DP3) had no significant effect on profitability at Muamalat Bank in Indonesia in 2010-2019. Furthermore, the capital adequancy ratio (CAR) and BOPO have a significant effect on profitability at Bank Muamalat in Indonesia in 2010-2019. Simultaneously third party funds (DP3), capital adequancy ratio (CAR) and BOPO have a significant effect on profitability at Bank Muamalat in Indonesia in 2010-2019. The limitation in this study is that it only focuses on three independent variables, so the suggestion for future researchers is to be able to add other variables such as, profit sharing rate, not performing financing, and others.