PENGARUH RASIO KESEHATAN BANK TERHADAP PROFITABILITAS PADA BANK UMUM SYARIAH DI INDONESIA

Abstract

The purpose of this research is to determine the influence of bank health ratios on the profitability of sharia commercial banks. This research used CAMEL ratio, capital adequacy ratio (CAR), non performing financing (NPF), net profit margin (NPM), operational cost to operating income (BOPO), and financing to deposit ratio (FDR) to profitability measured by return on asset (ROA). The sample of this research consists of 5 shariah banking companies based on purposive sampling criteria. Population in this research is all sharia banking registered at Bank Indonesia year 2012-2016. Data analysis method used in this research is multiple linear regression analysis, classical assumption test, and hypothesis test using SPSS 24 analysis tool. The results showed that capital adequacy ratio (CAR), net profit margin (NPM) and operational cost in operational income (BOPO) have positive and significant impact on profitability. Meanwhile, non performing financing (NPF) and financing to deposit ratio (FDR) have positive and insignificant influence on profitability. Simultaneously, the independent variable has a significant influence on the dependent variable with a significance level of 0.000.
Keywords: bank health ratio, CAMEL ratio and profitability