Pengujian CAR, NPF, FDR, dan BOPO Terhadap Profitabilitas Pada Bank Umum Syariah - Maulydina Wirnawati; Lucia Ari Diyani (JURNAL MAHASISWA BINA INSANI, 2019)
Abstrak: Maksud dari penelitian ini adalah untuk mengetahui pengaruh dari rasio permodalan Capital adequacy ratio (CAR), rasio pembiayaan bermasalah Non Performing Finance (NPF), rasio likuditas Financing To Deposit Ratio (FDR), dan rasio rentabilitas Biaya Operasional Pendapatan Operasional (BOPO), terhadap rasio profitabilitas Return On Asset (ROA). Bank Umum Syariah yang digunakan pada penelitian ini adalah Bank Umum Syariah Devisa dan Non Devisa yang terdaftar di Bank Indonesia tahun 2012-2016. Analisis penelitian ini menggunakan metode regresi liniear berganda. Hasil dari penelitian yang diuji menggunakan SPSS 23 menunjukan bahwa secara simultan rasio Capital adequacy ratio (CAR), Non Performing Finance (NPF), Financing To Deposit Ratio (FDR), dan Biaya Operasional Pendapatan Operasional (BOPO) berpengaruh positif dan signifikan terhadap Return On Asset (ROA). Sedangkan variabel CAR, NPF, FDR secara parsial tidak memiliki pengaruh terhadap Return On Asset (ROA) dan Biaya Operasional Pendapatan Operasional (BOPO) secara parsial memiliki pengaruh negatif dan signifikan terhadap Return On Asset (ROA). Kata Kunci: Return On Asset (ROA), Capital adequacy ratio (CAR), Non Performing Finance (NPF), Financing To Deposit Ratio (FDR), dan Biaya Operasional Pendapatan Operasional (BOPO). Abstract: The purpose of this research is to know the effect of Capital Adequacy Ratio (CAR), Non Performing Finance (NPF) Non Performing Finance (NPF), Financing To Deposit Ratio (FDR), and Rentability Ratio Operational Revenue (BOPO) profitability ratio Return On Assets (ROA). Sharia Commercial Banks used in this study are Sharia Foreign Exchange Banks and Non Foreign Exchange listed in Bank Indonesia in 2012-2016. The analysis of this research using multiple liniear regression method. The result of the research that was tested using SPSS 23 showed that simultaneously the ratio of Capital Adequacy Ratio (CAR), Non Performing Finance (NPF), Financing To Deposit Ratio (FDR), and Operational Income Operating Cost (BOPO) have positive and significant effect on Return On Asset (ROA). While the variable CAR, NPF, FDR partially has no influence on Return On Assets (ROA) and Operational Cost Operating Income (BOPO) partially have a negative and significant impact on Return On Assets (ROA). Keywords: Return on Assets (ROA), Capital Adequacy Ratio (CAR), Non Performing Finance (NPF), Financing to Deposit Ratio (FDR), and Operating Expenses Operating Income (BOPO).