Pengaruh Kecukupan Modal, Penyaluran Pembiayaan, Efisiensi Operasional, dan Inflasi terhadap Profitabilitas PT Bank BTPN Syariah Tbk Periode 2015–2024

This study aims to examine the effect of capital adequacy, financing distribution, operational efficiency , and inflation on the profitability of PT Bank BTPN Syariah Tbk during the 2015-2024 period. This study employed data obtained from the annual financial statements of PT Bank BTPN Syariah Tbk and inflation data published by Bank Indonesia (BI). Data were analyzed using multiple linear regression, classical assumption tests, partial (t-test), simultaneous (F-test), and the coeffcient of determination. The results indicate that capital adequacy (CAR) and operational efficiency (BOPO) have a significant negative effect on profitability (ROA), whereas financing disbursement (FDR) and inflation do not have a significant effect. Simultaneously, CAR, FDR, BOPO, and inflation significantly influence profitability, with the model capable of explaining 97.7% of the variation in ROA. This study confirms that capital adequacy and operational efficiency of PT Bank BTPN Syariah Tbk.