PENGARUH RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNING, DAN CAPITAL TERHADAP PROFITABILITAS PERBANKAN UMUM SYARIAH DI INDONESIA
Abstract
This study aims to analyze the Influence of Risk Profile, Good Corporate
Governance, Earning, and Capital on Sharia Banking Profitability in Indonesia.
The object of this research is all general Islamic banking in Indonesia. In this study
there are 11 banks selected by using purposive sampling method. The analysis tool
used is Multiple Linear Regression.
Based on the analysis, the results showed that Credit Risk as measured by Non
Performing Finance has a negative and significant impact on bank profitability.
The risk of liquidity measured using Financing to Deposit Ratio does not affect on
profitability, Good Corporate Governance also does not affect on profitability and
Earning measured by Expense Operational compared to Operational Revenues
have a significant negative effect on profitability and Capital Adequacy Ratio as
measured by Capital Adequacy Ratio has a significant negative effect on the
profitability of sharia banking.