Faktor – Faktor Yang Mempengaruhi Profitabilitas Bank Syariah Di Indonesia Tahun 2011-2015

Abstract

This study aims to analyze the influence of Capital Adequency Ratio (CAR), Non Performing Financing (NPF), Operating Cost (BOPO) and Financing to Debt Ratio (FDR) to profitability of sharia bank in Indonesia. The population that became the object in this study were 12 Sharia Commercial Banks (BUS) registered at Bank Indonesia (BI). The number of samples used are 9 sharia commercial banks registered in Indonesian banks (BI). The sample used is purposive sampling with certains that is adjusted to the purpose of research. Research period 2011 – 2015. The method used in this study is multiple linear regression, test t test hypothesis and f test, before using multiple linear regression, classical assumption test done first. From the results of hypothesis test simultaneously (F test) showed that CAR, NPF, BOPO, FDR together have significant effect on profitability (ROA) of sharia banking in Indonesia. With a significance level of 0.000. While the hypothesis partially (t test) shows that the variables CAR and BOPO have no influence on profitability (ROA), While the NPF and FDR variables have an influence on profitability (ROA). The value of R2 in panel data regression shows that the big influence of independent variable of CAR, NPF, BOPO, FDR to profitability (ROA) is 47,4% and the rest 52,6% influenced by other factor beside CAR, NPF, BOPO, FDR variable.