Pengaruh Komponen Risk-Based Bank Rating Terhadap Profitabilitas Bank Umum Syariah Di Indonesia (Periode 2011–2014)
Abstract: This research aimed
to know and analyze the influence of components of Risk based bank rating
method (risk profile, Good Corporate Governance, earnings, and capital) to
profitability of Islamic Bank in Indonesia, measured by Return On Assets (ROA).
Whereas the ratio used in this research to represent the components of RGEC are
risk profile measured by Non Performing Financing (NPF) and Financing to
Deposit Ratio (FDR), implementation of GCG by composite score of GCG, earnings
by Operational Efficiency Ratio (OER), and capital by Capital Adequacy Ratio
(CAR). Sample of this research are 11 Islamic Banks in Indonesia from 2011 to
2014. The analysis techniques used is multiple linear regression. Based on the
analysis result, it can be concluded that NPF, FDR, GCG, OER, and CAR had
simultaneous significant effect to ROA. Partially, NPF, FDR, and BOPO have
significant effect to ROA. However, CAR and GCG don’t affect ROA significantly.
Keywords: RGEC, NPF, FDR, OER,
CAR, GCG, ROA, Islamic bank profit
Penulis: Bunga Aprigati
Iskandar, Nisful Laila
Kode Jurnal: jpmanajemendd161257
