The Influence of ROA, FDR, CAR, and Inflation on Financial Distress in Banks General Sharia 2016-2023

Abstract

This study was conducted to determine the Effect of Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), and Inflation on Financial Distress in Islamic Commercial Banks in 2016-2023. The type of research used is quantitative research with a population of 14 BUS registered with the OJK. The sampling technique used purposive sampling and obtained 72 samples from 9 BUS in the observation period of 2016-2023. The type of data in this study is secondary data. The analysis methods used include descriptive statistical tests, stationarity tests, regression tests. The data collection technique in this study uses a tool, namely the Eviews-13 application. The results of the study show that FDR has a significant negative effect on Financial Distress, CAR has a significant positive effect on Financial Distress. Meanwhile, inflation has a positive but not significant effect on Financial Distress.