ANALISIS PENGARUH CAR, NPF, FDR, DAN BOPO TERHADAP PROFITABILITAS BANK UMUM SYARIAH

This study is talking about the effect of factors that can affect the profitability of Islamic Banks in Indonesia. Islamic banks are financial banking will be more interested in the future, therefore the dynamic profitability of Islamic banks is important thing needs to be observed and studied. The independent variable in this study consists of the Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), and the ratio of Operating Income per Operating Expenses (ROA). These variables may affect the predicted dependent variable, that is profitability of Islamic Banks by Return on Assets (ROA). The data source of this research is the Commercial Bank's financial statements are attached to the index registered in the Commercial Bank index, such as the sharia unit of foreign exchange, non-foreign exchange, or a mixture in part of official website of Bank Indonesia. The samples determined by using purposive sampling and obtained total of 11 banks as the samples. Data analysis technique is a multiple linear regression using SPSS 11.5 for Windows. The results showed that CAR ( X1 ) significantly affects the profitability ROA (Y) of Islamic Banks because tcount is 3.235 with a significant level of 0.003. NPF (X2) significantly affects the profitability ROA (Y) of Islamic Banks because tcount is 2.636 with a significant level of 0.013. FDR (X3) significantly affects the profitability ROA (Y) of Islamic Banks because tcount is -2.578 with a significance level of 0.016. BOPO (X4) significantly affects the profitability ROA (Y) of Islamic Banks because tcount is -5.292 with significance level of 0.000 . Keywords: Profitability, Islamic Bank, CAR, NPF, FDR, ROA, RO