Analisis kinerja keuangan terhadap financial distress pada bank umum syariah di Indonesia periode 2016-2020

The aim of this research is to examine how the Financing to Deposit Ratio (FDR), Non-Performing Finance (NPF), Capital Adequacy Ratio (CAR), and Operating Expenses to Operating Income (BOPO) affect the Altman ZScore of Financial Distress. This study's sample was derived using purposive sampling method, which resulted in the analysis of 13 Islamic Commercial Banks in Indonesia. The data used this study was obtained from the annual report Islamic Banks. A multinominal logistic regression model will be used to examine this study. The results of this study show that partially NPF has a significant positive influence on financial distress, while FDR, CAR, and BOPO have no significadnt influence on financial distress. NPF, FDR, CAR, and BOPO all have a significant influence on financial distress simultaneously