Pengaruh Financing To Deposit Ratio (FDR) Terhadap Return On Asset (ROA) Dengan Variabel Intervening Penempatan Dana Pada Sertifikat Bank Indonesia Syariah (SBIS) Pada Bank Syariah di Indonesia
Abstract: This study aims to
investigate the effect of Financing to Deposit Ratio (FDR) toward investment in
Islamic Certificate of Bank Indonesia (SBIS), effect of investment in Islamic
Certificate of Bank Indonesia (SBIS) toward Return on Asset (ROA), and effect
of Financing to Deposit Ratio (FDR) toward Return on Asset (ROA) Islamic Bank
in Indonesia.
Methodology that used in this study is a quantitative approach. Technique
analysis that used in this study is path analysis. Samples are used in this
study collected from Islamic Bank Statistic Data issued by Bank Indonesia,
January 2009 until October 2013, the total amount were 58 data.
The results show that Financing to Deposit Ratio (FDR) has significantly
negative effect on Islamic Certificate of Bank Indonesia (SBIS). Islamic Certificate
of Bank Indonesia (SBIS) has not significantly effect on Return on Asset (ROA).
Financing to Deposit Ratio (FDR) has significantly positive effect on Return on
Asset (ROA). Financing to Deposit Ratio (FDR) with Islamic Certificate of Bank
Indonesia (SBIS) as intervening variable have negative effect on Return on
Asset (ROA) Islamic Bank in Indonesia.
Keywords: Financing to Deposit
Ratio (FDR), Return on Asset (ROA), Islamic Certificate of Bank Indonesia
(SBIS), path analysis, Islamic Bank in Indonesia
Penulis: Al Ma'rifatul A'la,
Imron Mawardi
Kode Jurnal: jpmanajemendd141246
