ANALISIS PENGARUH KEWAJIBAN PENYEDIAAN MODAL MINIMUM (KPMM), NON PERFORMING FINANCING (NPF), FINANCING TO DEPOSIT RATIO (FDR), DAN BIAYA OPERASIONAL TERHADAP PENDAPATAN OPERASIONAL (BOPO) TERHADAP RETURN ON ASSETS (ROA) PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2016-2018
Abstract
This study aims to analyze and obtain empirical evidence about Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), and Operational Efficiency Ratio (OER) On Return On Assets (ROA) at Sharia Banks in Indonesia during the Period 2016-2018 either simultaneously or partially.
The population in this study were all Sharia Banks in Indonesia, while the sample in this study were 5 Sharia Banks from 14 Sharia Banks which were listed in the Sharia Banking Statistics period 2018 which were selected using a purposive sampling technique. The analysis used in this study is a Multiple Linear Regression Analysis Model, while the analysis technique uses Statistical F Test, Coefficient of Determination Test (R²), and Statistical t Test which is processed using SPSS 25.00 program.
The results of the proof of hypothesis and discussion show that Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), and Operational Efficiency Ratio (OER) simultaneously have significant effect on Return On Assets (ROA). Furthermore Capital Adequacy Ratio (CAR), and Operational Efficiency Ratio (OER) partially have a negative and significant effect on Return On Assets (ROA), while the Non Performing Financing (NPF) and Financing to Deposit Ratio (FDR) partially have a positive and significant effect Return On Assets (ROA) at Sharia Banks in Indonesia during the Period 2016-2018.
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