PENGARUH PEMBIAYAAN JUAL-BELI, PEMBIAYAAN BAGI HASIL, CAR, NPF DAN SENSITIVITAS INFLASI TERHADAP ROA BANK UMUM SYARIAH

ABSTRACT Shari’ah Bank is well-known as a bank which is resistant to the global crisis that hitted Indonesia couple years ago. The performance of Shari’ah Bank could be maintained so that bussiness continuity also could be well maintained. Those performance could be measured by the size of the Shari’ah banking profitability (return on asset). The factors affecting the return on asset of Shari’ah bank used in this study are the purchase financing, profit sharing financing,CAR, NPF and inflation sensitivity. The purpose of this study was to identify the effects of purchase financing, profit sharing financing, CAR, NPF and inflation sensitivity toward the return on asset of Shari’ah banks. The population used for the study is financial statements of Shari’ah banks have been published to Indonesia Bank from 2011 to 2014. Sampling in this study used purposive sampling obtained ten shari’ah banks. The data of this study used secondary data from the website of each bank and also Indonesia Bank. The analysis hypotesis using Multiple Regression with SPSS 16 program. The results of this study indicate that the purchase financing have significant positive effect on ROA, profit sharing financing has a significant negative effect on ROA, CAR has no significant negative effect on ROA, NPF has a significant negative effect on ROA, inflation sensitivity has insignificantly positive effect on ROA. Keywords: profit sharing financing, purchase financing,CAR, NPF, inflation sensitivity, return on asset, profitabilit