ABSTRACT: The problem of this research is gap between some research variables tha will be used. In this study the variables selected for additional variables is the variable finance deposit ratio (FDR) which still occurs gap between researchersone with other researchers.The data to be used in the sample is obtained from thewebsite of Bank Indonesia as well as the bank's official website. The sample of thisresearch is taken by purposive sampling that is the method where the sampleselection on the characteristics of the population that is known before with thefollowing criteria: Sharia Bank is aIslamic Bank, the Sharia Bank makes quarterly financial report in 2010-2014 period and has been published in Bank Indonesia. Based on the criteria, the sample size is 12 sharia commercial banks The results showed that Capital Adequacy Ratio (CAR), Net InterestMargin (NIM), Loan to Deposit Ratio (LDR), proved to have significant influence on profitability of Sharia Bank(BUS). VariableNonPerformingFinancing (NPF) Financing deposit ratio (FDR), Operational Cost to OperatingIncome (BOPO), inflation and interest rate are not proven to have significant influence on profitability of Sharia Bank (BUS). Anova test results (simultaneous) shows the regression model that is built is to meet the criteria fit model. Variationsin bank profitability variables that can be explained by variations of NPL, NIM,LDR and BOPO variables in Sharia (BUS) of 15.7 percent; in Non-Foreign Exchange Bank 49.8 percent and the combined Sharia Commercial Bank (BUS)is 50.2 percent.
Keywords: ROA, CAR, NIM, LDR, NPF, FDR, BOPO, inflation and interest rate
Penulis: Astohar
Kode Jurnal: jpmanajemendd170393

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