PENGARUH RISIKO USAHA TERHADAP PROFITABILITAS PADA BANK UMUM SYARIAH NASIONAL DEVISA

The aims of this study are to analyze influence of independent variabel Financing Deposit Ratio, Investing Policy Ratio, Non Performing Financing, Posisi Devisa Netto, BOPO, Fee Based Income Ratio to Return On Assets. Selection of sample use census method. Census method is the method which not based on certain criteria and all banks examined from period 2010 to quarter II 2015. Quantitative data for this study get from OJK (Otoritas Jasa Keuangan) and quarterly financial report of Islamic bank. The data were analyzed by linier regression analysis using SPSS version 16.0 for windows. Research result of F test windows show that FDR, NPF, REO, and FBIR have significant influence simultaneously toward ROA in Nation Islamic Devisa Banks. The result of t test shows that FDR, NPF, REO have positive and negative significant influence to ROA of Islamic Bank. IPR, PDN, and FBIR have positive and negative unsignificant influence to ROA of Islamic Bank. The result of the count can be known that banks size gave the great influence to financial performance of Islamic Bank. Keywords : business risk, nation Islamic devisa ban