PENGARUH RISIKO PEMBIAYAAN, TINGKAT KECUKUPAN MODAL DAN EFISIENSI OPERASIONAL TERHADAP PROFITABILITAS BANK SYARIAH

Ridwan, Ridwan (2021) PENGARUH RISIKO PEMBIAYAAN, TINGKAT KECUKUPAN MODAL DAN EFISIENSI OPERASIONAL TERHADAP PROFITABILITAS BANK SYARIAH. S2 thesis, Pascasarjana.

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Abstract

ABSTRACT The purpose of this study is to determine the factors that affect Return on Assets (ROA) in Islamic banking in Indonesia. These factors are proxied by the variables of Non Performing Financing (NPF), Financing to Debt Ratio (FDR), Capital Adequacy Ratio (CAR) and Operating Cost of Operating Income (BOPO). This study is a quantitative study using data on the financial statements of Islamic banks during the period 2015 to 2019. This study uses regression analysis techniques t test and F test (ANOVA). The results of this study showed that there is a significant influence on Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR) and Operating Costs of Operating Income (BOPO) on Return on Assets (ROA), but the Non Performing Financing (NPF) variable is not significant affect on Return on Assets (ROA). Keywords: Return on Assets, Non Performing Financing Ratio. Financing to Deposit Ratio, Capital Adequacy Ratio, Operating Expense to Operational Incone. ABSTRAK Penelitian ini dilakukan untuk mengetahui faktor-faktor yang mempengaruhi Return on Assets (ROA) pada perbankan syariah di Indonesia. Faktor-faktor tersebut diproksikan melalui variabel Non Performing Financing (NPF), Financing to Debt Ratio (FDR), Capital Adequacy Ratio (CAR) dan Biaya Operasional Pendapatan Operasional (BOPO). Penelitian ini merupakan penelitian kuantitatif dengan menggunakan data laporan keuangan bank syariah selama periode tahun 2015 sampai 2019. Penelitian ini menggunakan teknik analisis regresi uji t dan uji F (ANOVA). Hasil penelitian ini menunjukan bahwa terdapat pengaruh signifikan pada Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR) dan Biaya Operasional Pendapatan Operasional (BOPO) terhadap Retun on Assests (ROA), namun pada variabel Non Performing Financing (NPF) tidak signifkan mempengaruhi Retun on Assests (ROA). Keywords: Return on Assets, Non Performing Financing Ratio. Fiancing to Deposit Ratio, Capital Adequacy Ratio, Biaya Operasional Pendapatan Operasional.

Type:	Thesis (S2)
Subjects:	H Social Sciences > HF Commerce > HF5601 Accounting
Divisions:	Pascasarjana > Ilmu Akutansi
Depositing User:	RIDWAN
Date Deposited:	21 Jul 2021 07:12
Last Modified:	21 Jul 2021 07:12
URI:	https://repository.unja.ac.id/id/eprint/23244

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