THE INFLUENCE OF PROBLEMATIC FINANCING, LIQUIDITY RATIO AND OPERATIONAL EFFICIENCY RATIO (OER) ON PROFITABILITY OF SHARIA COMMERCIAL BANKS

This study aims to determine how much influence Non Performing Financing(NPF), Financing to Deposit Ratio (FDR), and Operational Effiiency Ratio (OER) to Profitability are partially and simultaneously in Islamic Commercial Banks.This research approach using associative research with quantitative data types.This research was conducted with data from secondary financial reports public Bank Syariah Bank in Indonesia research period year 2013 – 2017. The population in this research are all public Bank Syariah (BUS) which is registered with the Bank Indonesia totalling thirteen banks. While the sample in this study is the annual financial reports for the past five year period i.e. the period 2013 – 2017. In addition, the technique of taking sampelnya by way of purposiv sampling. The analysis technique used in this study is multiple linear regression.The results of this study indicate that partially NPF and OER have a negativeand significant effect on profitability, while FDR has no effect on profitability. And simultaneously the NPF, FDR and OER variables significantly influence profitability, with a determination coefficient of 80%, while the remaining 20% is influenced by other factors not included in the research model.Keywords: ROA, NPF, FDR, OE