ANALISIS FAKTOR–FAKTOR YANG MEMPENGARUHI PROFITABILITAS PERBANKAN SYARIAH DI INDONESIA

Abstract

The problem of this research is gap between some research variables that
will be used. In this study the variables selected for additional variables is the
variable finance deposit ratio (FDR) which still occurs gap between researchers
one with other researchers.The data to be used in the sample is obtained from the
website of Bank Indonesia as well as the bank's official website. The sample of this
research is taken by purposive sampling that is the method where the sample
selection on the characteristics of the population that is known before with the
following criteria: Sharia Bank is aIslamic Bank, the Sharia Bank makes
quarterly financial report in 2010-2014 period and has been published in Bank
Indonesia. Based on the criteria, the sample size is 12 sharia commercial banks
The results showed that Capital Adequacy Ratio (CAR), Net Interest
Margin (NIM), Loan to Deposit Ratio (LDR), proved to have significant
influence on profitability of Sharia Bank(BUS). VariableNonPerforming
Financing (NPF) Financing deposit ratio (FDR), Operational Cost to Operating
Income (BOPO), inflation and interest rate are not proven to have significant
influence on profitability of Sharia Bank (BUS). Anova test results (simultaneous)
shows the regression model that is built is to meet the criteria fit model. Variations
in bank profitability variables that can be explained by variations of NPL, NIM,
LDR and BOPO variables in Sharia (BUS) of 15.7 percent; in Non-Foreign
Exchange Bank 49.8 percent and the combined Sharia Commercial Bank (BUS)
is 50.2 percent