September 5, 2025Open Access

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

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Analysis demonstrates that profitability and liquidity improve capital adequacy in Islamic banks, suggesting crucial financial strategies.

Profitability and liquidity positively influence capital adequacy in Islamic commercial banks in Indonesia.
The capital adequacy ratio for Islamic banking decreased from 21.39% in 2018 to 20.25% in 2019.
Multiple regression analysis, including t and F tests, assessed the impact of financial factors on capital adequacy.
Findings indicate that while profitability and liquidity significantly affect capital adequacy, efficiency has no significant effect.

Hidayati et al. (2025) studied this question.

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Analysis demonstrates that profitability and liquidity improve capital adequacy in Islamic banks, suggesting crucial financial strategies.