PENGARUH NPF, CAR DAN FDR TERHADAP PROFITABILITAS PERUSAHAAN PERBANKAN SYARIAH

Abstract

This research aims to analyze the influence of capital adequacy ratio, net performance financing, and financing to deposit ratio to the profitability of sharia banks which is listed in Indonesia Stock Exchange. The population in this research is sharia banking which is listed in the Indonesia Stock Exchange during the 2012-2016 period. The sample selection is done by using purposive sampling method that is the selection of company samples conducted based on certain criteria. Based on the method of selecting samples on shariah banking which is listed in the Indonesia Stock Exchange in 2012-2016 obtained the number of research samples as many as 10 shariah banking. The type of data used is secondary data derived from financial statements that have been audited at shariah banking companies which is listed on the Indonesia Stock Exchange. The analysis technique used multiple linear regression analysis with using SPSS version 23 statistical test. Based on the results of multiple linear regression analysis with a significant level of 5%, the results of this research indicates that: 1) CAR variable has no significant influence on ROA. 2) The NPF variable has a negative and significant influence on ROA. 3) FDR variable has positive and significant influence to ROA.
Keywords: Capital adequacy ratio, net performance financing, financing to deposit ratio and return on assets