ANALISIS PENGARUH SIZE, ROA, FDR, NPF DAN BOPO TERHADAP CAPITAL ADEQUACY RATIO PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2010-2014
ABSTRACT: This
research aims to analyze the influence of Size, Return On Asset (ROA), Financing
to Deposits Ratio (FDR), Non Performing Financing (NPF), and Operating Expenses
Operating Income (BOPO) to Capital Adequacy Ratio (CAR). Case study on Indonesian
Islamic banks in 2010-2014. The number of sample used in this research were 11
banks. Secondary data were obtained from financial statements can be downloaded
from the official website of each bank and the official website of Bank
Indonesia covering the period of 2010 until the end of 2014. The analytical
method used in this research is Multiple Linear Regression Analysis where
previously performed classical assumption that includes Normality Test, Multicollinearity
Test, Autocorellation Test, and Heteroskedastisitas Test with a significance
level of 5%. The study found that Financing to Deposits Ratio (FDR) is
positively significant influenced to Capital Adequacy Ratio (CAR). Meanwhile,
Size and Non Performing Financing (NPF) are significant but negatively
influenced to the Capital Adequacy Ratio (CAR). On the other hand, Return On
Assets (ROA) and Operating Expenses Operating Income (BOPO) have no significant
effect on capital adequacy of Indonesian Islamic bank. Based on the coefficient
determination, variable Size, Return On Asset (ROA), Financing to Deposits
Ratio (FDR), Non Performing Financing (NPF), and Operating Expenses Operating
Income (BOPO) have 64,3% effect against Capital Adequacy Ratio (CAR). While the
remaining 35,7% is influenced by other variables that are not used in this study.
Keywords:
Size, Return On Asset (ROA), Financing to Deposits Ratio (FDR), Non Performing
Financing (NPF), and Operating Expenses Operating Income (BOPO) and Capital
Adequacy Ratio (CAR).
Penulis: Rheza Oktaviana, Muhammad Syaichu
