ANALISIS FAKTOR–FAKTOR YANG MEMPENGARUHI PROFITABILITAS PERBANKAN SYARIAH DI INDONESIA
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
