Faktor yang Mempengaruhi Likuiditas Bank Umum Syariah (BUS) di Indonesia Tahun 2020-2023

Abstract

The purpose of this research is to analyze the factors that affect liquidity in Islamic Commercial Banks (ICBs) in Indonesia. The data used in this study are secondary data obtained from the Financial Services Authority (OJK). The method used in this research is Multiple Linear Regression. To examine the factors influencing the liquidity of Islamic banks in Indonesia, the variables used are Short Term Mismatch (STM), Capital Adequacy Ratio (CAR), Return on Assets (ROA), and Non-Performing Financing (NPF). This study uses monthly data from 2020 to 2023. The results of the study indicate that CAR and NPF variables have a positive and significant influence on STM, while the ROA variable has a positive influence but is not significant to the dependent variable STM. In this regard, it is recommended that Islamic banks maintain a healthy STM condition by increasing CAR and ROA and reducing NPF.