FAKTOR-FAKTOR YANG MEMPENGARUHI PROFITABILITAS PADA BANK PEMBIAYAAN RAKYAT SYARIAH
Abstract
This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Operational Cost to Operating Income (BOPO), Financing to Deposit Ratio (FDR) and Non Performing Financing (NPF) to Profitability (ROA) at Syariah peoples financing banks June 2011- December 2017. The data used in this study is secondary data obtained from the financial statements of bank publications by central bank of indonesia.The analysis technique used is multiple linear regression analysis and hypothesis test using f and t test. In addition, the classical assumption test included normality test, autocorrelation test, heteroscedasticity test and multicolinearity test. Based on the research that has been done can be concluded that partially CAR variable has positive and significant effect to profitability (ROA), BOPO variable have negative and significant effect to ROA, FDR variable have positive and insignificant effect to ROA and NPF variable have positive and insignificant effect to profitability (ROA). Simultaneously, CAR, BOPO, FDR and NPF variables have an effect on profitability (ROA), the contribution of all independent variables to ROA is 64,5% and the rest 35,5% can be explained by other variable outside this research.