Pengaruh Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), dan Nilai Tukar Rupiah terhadap Profitabilitas (ROA) pada PT Bank BCA Syariah Tbk Periode 2023–2025

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), and the Rupiah exchange rate on the profitability (ROA) of PT Bank BCA Syariah Tbk during the 2023 to Q3 2025 period. Secondary data from quarterly financial reports and Bank Indonesia exchange rates were analyzed using multiple linear regression. The results show that the independent variables simultaneously have no significant effect on ROA, as indicated by an F-statistic of 0.872 with a p-value of 0.532. Although the R Square value was recorded at 36.8%, the negative Adjusted R Square value of -5.4% indicates that the research model is statistically inadequate for predicting ROA. Given the limited sample size (n = 11), these findings suggest that profitability may be influenced by factors beyond the model, although this conclusion requires further testing with a larger sample size.