PENGARUH VARIABEL KESEHATAN BANK TERHADAP KINERJA KEUANGAN BANK SYARIAH

Abstract

This researchis aimed to examine empirically the influence of bank health performance which consists of nonperforming
financing, financing to deposit ratio, net operating margin, and the capital adequacy ratio of
financial performance which are measured by return on assets. This research uses quantitative data with
purposive sampling technique that produces 6 Syariah banking in Indonesia, and have published their quarterly
financial statements in 2012-2015 periods and havegot complete data associated with the variables which will be
studied.The data is the secondary data, the financial data has been obtained from the official website of Bank
Indonesia and the official website of the related bank. Tools such as SPSS 20 statistical test is used to determine
the multiple linear regression equation, the classic assumption test, the model feasibility test and hypothesis test.
The result of this research indicates that non-performing financial (NPF) give significant and negative
influenceto the return on assets (ROA), it indicates that the rise in non-performing financing does not give any
influenceto the amount of return on assets whereas finance to deposit ratio (FDR), net operating margin (NOM)
give positive and significant influenceto the return on assets (ROA), it indicates that the increase in finance to
deposit ratio and net operating margin will increase the return on assets, whereas the capital adequacy ratio
(CAR) give positive influence but not significant to the return on assets (ROA), itshows that the capital
adequacy ratio does not give any influence the return on assets.
Keywords: Non-performing financing, finance to deposit ratio, net operating margin, capital adequacy ratio,
return on assets.