ANALISIS PENGARUH NON PERFORMING FINANCING, BIAYA OPERASIONAL TERHADAP PENDAPATAN OPERASIONAL, FINANCING TO DEPOSIT RATIO, DAN RETURN ON EQUITY TERHADAP KEWAJIBAN PENYEDIAAN MODAL MINIMUM PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2012-2018
Abstract
This study aims to analyze and obtained empirical evidence about the effect of Non Performing Financing, Operational Efficiency Ratio, Financing to Deposit Ratio, and Return On Equity toward Capital Adequacy Ratio at Sharia Commercial banks in Indonesia period 2012-2018.
The population in this study were all Sharia Commercial Bank in Indonesia period 2012-2018. The sampling technique used purposive sampling method, the samples obtained in this research are 4 (four) Sharia Commercial Banks. The data used in this study are secondary data obtained from quarterly financial reports. Data analysis model using Multiple Linier Regression Analysis Model, while data analysis techniques use Statistical F Test, Coefficient of Determination (R2), and Statistical t Test.
The result of the analysis dan discussion show that the variables Non Performing Financing, Operational Efficiency Ratio, Financing to Deposit Ratio, and Return On Equity Ratio simultaneously have significant effect to Capital Adequacy Ratio at Sharia Commercial Banks in Indonesia period 2012-2018. Operational Efficiency Ratio and Return On Equity are partially significant, while the Non Performing Financing and Financing to Deposit Ratio partially have no significant effect on Capital Adequacy Ratio at Sharia Commercial Banks in Indonesia period 2012-2018.
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