The Influence of Non-Performing Financing, Minimum Statutory Reserve, and Inflation on Return on Assets of PT BTPN Syariah

Abstract

This research analyzes the influence of Non-Performing Financing, Minimum Statutory Reserves, and Inflation on the Return On Assets of PT Bank Tabungan Pensiunan Nasional Syariah for 2015 - 2023. The novelty of this research is using the ARDL (Autoregressive Distributed Lag) mode regression test method for the Time Series data and analyzing the influence of GWM. This research is a quantitative type of research using secondary data. Sampling was carried out using a purposive sampling method. With a sample of quarterly reports for 2015 to 2023, PT Bank BTPN Syariah. Collecting research data uses documentation studies. The data analysis technique in this research uses the ARDL (Autoregressive Distributed Lag) method. The research results show that short-term and long-term NPF has a significant negative effect on ROA. The GWM and Inflation variables in the short and long term do not significantly negatively affect ROA.