ANALISIS PENGARUH CAPITAL ADEQUACY RATIO, NET OPERATING MARGIN, FINANCING TO DEPOSIT RATIO, NON PERFORMING FINANCING DAN PEMBIAYAAN BAGI HASIL TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA (Studi Kasus Bank Umum Syariah di Indonesia Tahun 2011-2015)
Abstract: The purpose of this
research is to examine the effects of Capital Adequacy Ratio, Net Operating
Margin, Financing to Deposit Ratio, Non Performing Financing, and Profit
Sharing toward profitability of Sharia Commercial Banks of 2011-2015 period.
The writer used the data from Quarterly Publication Financial Reports of Sharia
Commercial Banks of 2011-2015 period.
The populations of the research were 11 Sharia Commercial Banks in
Indonesia. However, after passing the purposive sampling stage, there were only
5 samples of Sharia Commercial Banks that were feasible to be investigated,
which were Bank Mandiri Syariah, Bank Central Asia Syariah, Bank Rakyat
Indonesia Syariah, Bank Muamalat Indonesia, and Bank Negara Indonesia Syariah.
The analitical technic that the writer used in this research was multiple
linear regression which purpose was to obtain the whole image of the relation
among variables. Classical assumption test that the writer used in this
research were multicollinearity test, autocorrelation test, heteroscedasticity
test, and normality test.
The result of this research shows that CAR variable affects negatively
and significantly toward ROA. NOM variable affects positively and
non-significantly toward ROA. NPF variable affects negatively and significantly
toward ROA. Meanwhile, FDR variable affect negatively and non-sicnificantlu and
Profit Sharing affect positively and significantly toward ROA. The prediction
ability of the five variables toward ROA is 26,5%, while the rest is affected
by other factors that are not investigated in this research.
Keywords: CAR (Capital
Adequacy Ratio), NOM (Net Operating Margin), FDR (Financing to Deposit Ratio),
NPF (Non Performing Financing), Profit Sharing, ROA (Rerurn On Asset)
Penulis: Silfani Permata Sari,
A. Mulyo Haryanto
Kode Jurnal: jpmanajemendd171003
