PENGARUH CAPITAL ADEQUACY RATIO (CAR), BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO), DAN NON PERFORMING FINANCING (NPF) TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA

ALDY SATYA, RACHMAT (2018) PENGARUH CAPITAL ADEQUACY RATIO (CAR), BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO), DAN NON PERFORMING FINANCING (NPF) TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA. Skripsi thesis, STEI INDONESIA JAKARTA.

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Abstract

ABSTRAK Penelitian ini bertujuan untuk menguji pengaruh CAR, BOPO dan NPF terhadap Profitabilitas Bank Umum Syariah di Indonesia. Penelitian ini menggunakan penelitian asosiatif kausal dengan metode regresi liniear data panel program software Econometric Views (Eviews) versi 9. Jumlah sampel yang digunakan sebanyak 7 bank umum syariah di Indonesia dengan menganalisa laporan tahunan setiap bank syariah. Hasil penelitian ini membuktikan bahwa capital adequacy ratio(X1) tidak berpengaruh signifikan terhadap profitabilitas karena hal tersebut menunjukan bahwa semakin besar kecukupan modal bank (CAR) menyebabkan return on asset (ROA) menjadi rendah. Variabel biaya operasional pendapatan operasional (X2) berpengaruh signifikan terhadap profitabilitas karena menunjukkan bahwa semakin rendah tingkat beban pembiayaan bank maka laba yang diperoleh bank akan semakin tinggi atau dengan kata lain semakin rendah BOPO maka akan menyebabkan ROA menjadi tinggi. Variabel non performing financing (X3) tidak berpengaruh signifikan terhadap profitabilitas karena menunjukan bahwa risiko usaha bank yang tercermin dalam NPF berpengaruh secara nyata terhadap ROA, artinya naik turunnya ROA dipengaruhi oleh naik turunnya tingkat pembiayaan bermasalah. Kata Kunci : Capital adequacy ratio, biaya operasional pendapatan operasional, non performing financing ABSTRACT This study aims to examine the effect of CAR, BOPO and NPF on Profitability of Sharia Commercial Banks in Indonesia. This research uses causal associative research with regression method liniear data panel program software Econometric Views (Eviews) version 9. The number of samples used as many as 7 Islamic banks in Indonesia by analyzing the annual report of each syariah bank. The results of this study prove that the capital adequacy ratio (X1) has no significant effect on profitability because it shows that the greater the capital adequacy of banks (CAR) causes the return on assets (ROA) to be low. Variable operational cost of operating income (X22) has a significant effect on profitability because it shows that the lower level of bank financing burden hence the profit obtained by the bank will be higher or in other words the lower the BOPO it will cause the ROA to be high. The non performing financing (X3) variable has no significant effect on profitability because it shows that the bank's business risks reflected in the NPF significantly affect the ROA, meaning that the ups and downs of ROA are influenced by the ups and downs of the non�performing financing rate. Keywords: Capital adequacy ratio, operational cost of operating income, non performing financing

Item Type:	Thesis (Skripsi)
Contributors:	Contribution Contributors NIDN Email Thesis advisor Sunarsih, Uun UNSPECIFIED UNSPECIFIED
Subjects:	Akuntansi > Akuntansi Keuangan
Divisions:	S1 Akuntansi
Depositing User:	Ridho Adi Nugroho
Date Deposited:	20 Jul 2022 07:30
Last Modified:	20 Jul 2022 07:30
URI:	http://repository.stei.ac.id/id/eprint/7729

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