FAKTOR-FAKTOR YANG MEMPENGARUHI PROFITABILITAS BANK SYARIAH DI INDONESIA

Abstract

This research is meant to analyze some factors which have influence to the profitability which consists of internal factor and external factor. The internal factors of this research are profit sharing financing, buy and sell financing, CAR, NPF, FDR, and BOPO whereas the external factor of this research is inflation and BI rate to the profitability (ROA). The object of this research is syariah commercial banks which are listed in Bank Indonesia. The data is retrieved from publication report of syariah bank through each bank website in 2010-2014. The research samples have been selected by using purposive sampling technique so that nine syariah commercial banks which have met the criteria have been selected as samples. The data analysis technique has been done by using multiple linear regressions analysis. Previously it has been tested by using classic assumption test and it is already free from the symptoms of normality, heteroscedasticity, multicollinearity and autocorrelation. It has been found from the result of analysis that the profit sharing financing, buy and sell financing, NPF, and BOPO have influence to the profitability (ROA) whereas CAR, FDR, Inflation and BI rate do not have any influence to the profitability (ROA). The prediction ability from these eight variables to the ROA is 67.1% meanwhile the remaining is 32.9% which is explained by other variable which is not included in this research. Keywords: Profitability, internal factor, external factor.