Analysis of the Effect of Profitability (ROA), Efficiency (BOPO) and Liquidity (FDR) on Capital Adequacy (CAR) at Commercial Banks Sharia in Indonesia 2015-2019

The level of capital adequacy is considered important in line with the profit sharing principle and risk applied by Islamic banks through equity securities, such as mudarabah and musyarakah. The condition of Islamic banking is quite tough because the performance has slowed down in the last 5 years. Conditions from bank to bank were uneven. There are good, poor, and some are ordinary. There was a decrease in the percentage of Islamic Banking capital adequacy ratio (CAR) in 2019, amounting to 20.25%, when compared to 2018, the capital adequacy ratio (CAR) for Islamic Banking was 21.39%. This study aims to examine the effect of profitability, efficiency and liquidity on the level of capital adequacy of Islamic banks in Indonesia. The data used in this study are secondary data "time series" for the 2015- 2019 period obtained from the publication of Bank Indonesia and the Financial Services Authority. Data processing techniques used are multicollinearity test, reliability test, heteroscedasticity test, multiple regression test, t test (partial), F test (simultaneous), coefficient of determination. The results of this study indicate that Profitability (ROA) and Liquidity (FDR) have a positive effect on Capital Adequacy (CAR) in Islamic Commercial Banks in Indonesia while Efficiency (BOPO) has no effect on Capital Adequacy (CAR) at Islamic Commercial Banks in Indonesia.