Capital Adequacy Ratio(CAR), Non Performing Financing (NPF), Efisiensi Operasional (BOPO) dan Financing to Deposit Ratio (FDR) Terhadap Profitabilitas Bank Umum Syariah di Indonesia - Apriani Simatupang; Denis Franzlay (Lembaga Penelitian dan Pengabdian Masyarakat Universitas Bina Insani, 2016)
Abstrak: Bank merupakan lembaga keuangan yang memiliki peranan penting dalam perekonomian suatu negara. Kinerja profitabilitas bank yang sehat sangat diperlukan untuk kelancaran fungsi bank syariah sebagai lembaga intermediary. Penelitian ini bertujuan untuk menganalisis pengaruh Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Efisiensi Operasional (BOPO), dan Non Performing Financing (NPF) terhadap Profitabilitas perbankan syariah di Indonesia. Subjek penelitian adalah Bank Umum Syariah yang beroperasi di Indonesia yang terdaftar di Bank Indonesia pada periode 2011 – 2013. Metode analisis yang digunakan dalam penelitian adalah analisa regresi data panel model common effect (Pooled Least Square) dengan uji hipotesis yaitu uji t dan uji F. Hasil penelitian menunjukkan variabel CAR, FDR, dan BOPO berpengaruh signifikan terhadap profitabilitas Bank Umum Syariah, sedangkan variabel NPF tidak berpengaruh signifikan terhadap profitabilitas Bank Umum Syariah. Nilai R² sebesar 0,504332 menunjukkan CAR, FDR, BOPO, dan NPF mampu menjelaskan mempengaruhi profitabilitas sebesar 50,43% dan sisanya 49,57% dipengaruhi variabel lain di luar model penelitian ini. Kata kunci: ROA, CAR, FDR, BOPO, NPF Abstract: Bank is a financial institution that has an important role in the economy of a country. The right profitability performance of banks is indispensable for the functioning continuity of Islamic banks as intermediary institutions. This study aimed to analyze the influence of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operational Efficiency (ROA), and Non Performing Financing (NPF) toward the profitability of Islamic banking in Indonesia. The subjects of this study were Islamic Banks operating in Indonesia listed on 2011 – 2013 period. The analysis method used the analysis of panel data regression model common effect (Pooled Least Square) to test the hypothesis was t test and F test. The Result of this study showed that CAR, FDR, and ROA variables had significant effect on the profitability of Islamic Banks, while NPF variable did not have significant effect on the profitability of Islamic Banks. R² value was 0.504332 indicated CAR, FDR, ROA, and NPF able to explain that it affected the profitability in the amount of 50.43% and the remaining was 49.57% influenced by other variables. Keywords: ROA, CAR, FDR, BOPO, NPF