Determinants of Profit Growth of Islamic Commercial Banks in Indonesia

Authors

  • Kukuh Trisnafi State Islamic University of Sayyid Ali Rahmatullah Tulungagung
  • Ning Wijayanti State Islamic University of Sayyid Ali Rahmatullah Tulungagung
  • Agus Eko Sujianto State Islamic University of Sayyid Ali Rahmatullah Tulungagung
  • Amalia Nuril Hidayati State Islamic University of Sayyid Ali Rahmatullah Tulungagung

DOI:

https://doi.org/10.55927/fintech.v4i2.218

Keywords:

Profit Growth, CAR, FDR, NPF, NOM, BOPO

Abstract

The growth of the Islamic banking industry in Indonesia requires continuous enhancement of financial performance, particularly in the banks’ capacity to achieve profit growth amid fluctuating financing risks and operational efficiency challenges. This condition makes analysis of factors influencing profit growth crucial. This study aims to analyze the influence of the Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), Net Operating Margin (NOM), and Operating Costs to Operating Income (BOPO) on profit growth in Islamic Commercial Banks in Indonesia. This study uses a quantitative approach with secondary data analyzed using multiple linear regression through the SPSS application. The results show that CAR, FDR, and NOM have a positive and significant effect on profit growth, while NPF and BOPO have a negative and significant effect on profit growth.

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Published

2026-04-29

Issue

Vol. 4 No. 2 (2026): April 2026

Section

Articles