PENGARUH RISIKO USAHA TERHADAP RETURN ON ASSET PADA BANK SYARIAH YANG GO PUBLIC

Abstract

The purposes of this research area: 1) to find out partially the significance level of the positive influence of
LDR,IRR and PDN to the ROA on go public Sharia Banks; 2) to find out partially the significance level of the
negative influence of NPL and BOPO to the ROA on go public Sharia Banks; 3) to find out partially the variable
which has dominant influence to the ROA on go public Sharia Banks. This research is a comparative study and
the population is 11 Sharia banks which are listed in Indonesia Stock Exchange for four periods from 2010 to
2013. The samples collection technique has been carried out by using purposive sampling and 4 Sharia banks
which are listedin Indonesia Stock Exchange for 4periods from 2010 to 2013 have been selected as samples. The
multiple regression analysis and hypothesis test with SPSS version 20 has been used as the data analysis
technique. Based on the result of feasibility model test it shows that the regression models which have been
generated are feasible (appropriate) and they can be used for the next analysis. Basedon the result of hypothesis
test it shows that LDR variable and NPL variable has significant influence to the ROA whereas IRR variable,
BOPO variable, and PDN variable do not have any significant influence to the ROA. Among five independent
variables i.e.: LDR, NPL, IRR, BOPO, and PDN, the variable which has dominant influence to the ROA is NPL
since its partial determination coefficient value is higher than other partial determination coefficient valus.

Keywords: business risk, profitability, bank.