Analisis Pengaruh Capital Adequacy Ratio, Biaya Operasional Terhadap Biaya Pendapatan, Loan To Debposite Ratio, Net Interest Margin Terhadap Profitabilitas Bank Umum Syariah di Indonesia Periode 2012-2016

This study aims to determine the effect of Capital Adequacy Ratio, Operational Costs and Operating Costs, Loan to Deposite Ratio, Net Interest Margin to the profitability of sharia commercial banks in Indonesia for the 2012-2016 period. The approach used in this study is a quantitative approach. The data in this study are secondary data and data is obtained from the website of each Islamic commercial bank.The sampling technique uses a purposive sampling technique with a sample of 3 Islamic Commercial Banks in 2012-2016. The data analysis technique uses multiple linear regression analysis using the SPSS version 21 program.The results of the study show that the Capital Adequacy Ratio, Operational Costs and Operational Costs variables affect the profitability of Islamic banks. While the Net Interest Margin variable does not affect the profitability of sharia commercial banks