ANALISIS PENGARUH CAPITAL ADEQUACY RATIO (CAR), NON PERFORMING FINANCING (NPF), NET OPERATING MARGIN (NOM), BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO), DAN FINANCING DEPOSIT TO RATIO (FDR)TERHADAP KINERJA KEUANGAN PERBANKAN SYARIAH DI INDONESIA TAHUN - Hellen Hellen; Fadrul Fadrul; Nur Fadjrih Asyik (Institut Bisnis dan Teknologi Pelita Indonesia, 2019)
Public trust greatly influences the development of banking so that every bank must increase public trust by improving its financial perormance.This research is aimed to find out the influence of CAMEL ratio to the financial performance of syariah banking. This research is used CAMEL ratio i.e. Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Net Operating Margin (NOM), operational cost, and operational revenue (BOPO), Finance to Deposit Ratio (FDR) to the financial performance which is measured by using Return On Asset (ROA). The research sample consist of 9 companies of syariah banking which have been selected by using purposive sampling. The research population is ssyariah bankings which are listed in Indonesia banking Years 2011-2017. The statistic test instrument is SPSS 19 which has been carried out by using classic assumption test and multiple linear regressions analysis. The result of the research shows that Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), and Operational cost and operational revenue (BOPO have significant and negative to the Return on Asset (ROA). Meanwhile, Net Operating Margin (NOM) and FDR (Financing Deposit to Ratio)have no influence significantly to ROA. Kepercayaan masyarakat sangat mempengaruhi perkembangan perbankan sehingga setiap perbankan harus meningkatkan kepercayaan masyarakat dengan memperbaiki kinerja keuangannya. Tujuan penelitian ini adalah untuk mengetahui pengaruh rasio CAMEL terhadap kinerja keuangan perbankan syariah. Penelitian ini menggunakan rasio CAMEL yaitu Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Net Operating Margin (NOM), Biaya Operasional dan Pendapatan Operasional (BOPO), Finance to Deposit Ratio (FDR) terhadap kinerja keuangan yang diukur dengan Return On Asset (ROA). Sampel penelitian ini terdiri dari 9 perusahaan perbankan syariah yang dipilih secara purposive sampling. Populasi penelitian ini yakni perusahaan perbankan syariah yang terdaftar pada Bank Indonesia dari tahun 2011 – 2017. Alat uji statistik berupa SPSS 19 yang digunakan untuk uji asumsi klasik dan analisis regresi berganda. Hasil penelitian menunjukkan bahwa Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), dan Biaya Operasional dan Pendapatan Operasional (BOPO), berpengaruh negatif dan signifikan terhadap Return On Asset (ROA). Sementara Net Operatng Margin (NOM) dan FDR (Financing Deposit to Ratio) tidak berpengaruh signifikan terhadap ROA.