ANALISIS PENGARUH PEMBIAYAAN JUAL BELI, PEMBIAYAAN BAGI HASIL, FINANCING TO DEPOSIT RATIO (FDR) DAN NON PERFORMING FINANCING (NPF) TERHADAP PROFITABILITITAS BPRS DI INDONESIA
Abstract
This study aims to examine the effect of Sale Financing, Profit Sharing
Financing, Financing to Deposit Ratio (FDR), and Non Performing Financing
(NPF) to Profitability of Bank Pembiayaan Rakyat Syariah in Indonesia. The
objects in this study are all Sharia Banks in Indonesia in the period of 2012-2016.
The analysis used in this research is multiple linear analysis. The data used for
multiple linear analysis with secondary data is the monthly financial statements in
the period of 2012 to 2016. The data source is derived from the statistical data of
sharia banking of Bank Pembiayaan Rakyat Syariah that has been processed by the
Financial Services Authority.
The results of this research indicate that partially variable of sale financing
has positive and significant influence to ROA of Bank Pembiayaan Rakyat Syariah.
Profit Sharing financing has a negative influence on the ROA of Bank Pembiayaan
Rakyat Syariah. While the variable of FDR and NPF have not a significant and
negative influence on the ROA of Bank Pembiayaan Rakyat Syariah.
Simultaneously the variables of Sale Financing, Profit Sharing Financing, FDR, and
NPF influence Bank Pembiayaan Rakyat Syariah.
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