PENGARUH PEMBIAYAAN BAGI HASIL, JUAL BELI, FDR, NPF TERHADAP PROFITABILITAS BANK SYARIAH

Abstract

This research is aimed to examine the influence of profit sharing financing to the profitability of Sharia
Commercial Banks, sale and purchase financing to the profitability of Sharia Commercial Banks, Non
Performing Financing (NPF) to the profitability of Sharia Commercial Banks, and Financing to Deposit Ratio
(FDR) to the profitability of Sharia Commercial Bank.The population of this research is 12 Sharia Commercial
Banks which are listed in Bank of Indonesia in 2011-2015 periods. The sample collection technique has been
conducted by using purposive sampling method and 10 samples have been selected during 2011-2015 periods.
The data applies secondary data in the form of quarterly financial statement from each Sharia Commercial Bank.
The data analysis method of this research has been carried out by using multiple linear regressions. The result of
this research shows that sale and purchase financing give positive influence to the profitability, profit sharing
financing does not give any influence to the profitability, Non Performing Financing (NPF) give negative
influence to the profitability, and Financing to Deposit Ratio (FDR) give positive influence to the profitability.

Keywords: Profitability, sale and purchase financing, profit sharing financing, Non Performing Financing
(NPF), Financing to Deposit Ratio (FDR)