PENGARUH NON PERFORMING FINANCING , FINANCING DEPOSIT RATIO DAN PENYISIHAN PENGHAPUSAN AKTIVA PRODUKIF TERHADAP PROFITABILITAS

Abstract

This research aimed to examine the effect of non performing financing, financing deposit ratio and allowance for earning assets losses on profitability in banking companies listed on the Indonesia Stock Exchange. The data used in this research are secondary data sourced from the 2013-2017 company financial statements. This type of research is quantitative research. The population in this research is Islamic banking which is listed on the Indonesia Stock Exchange (IDX) during the period 2013-2017 obtained as many as 12 companies. The sampling technique in this research used a purposive sampling method based on predetermined criteria, a sample of 6 Islamic banking companies is obtained. The analytical method used is multiple linear regression analysis using SPSS (Statistical Product and Service Solution) version 25. The results in this research indicate that the classical assumption test of all variables that meet the assumptions and there are no violations, the model feasibility test shows that the regression model feasible, the hypothesis test shows that non performing financing has a significant negative effect on profitability, financing deposit ratio has a significant positive effect on profitability while the allowance for possible losses on productive assets is not a significant positive effect on profitability.
Keywords : financing, deposit ratio, earning, profitability