ANALISIS KEMAMPUAN PENYALURAN PEMBIAYAAN BANK SYARIAH DI INDONESIA

This study aims to determine the effect of Capital Adequacy Ratio (CAR), Return on Assets (ROA), and Non performing financing (NPF) on Financing to Deposit Ratio (FDR) of Islamic commercial banks in Indonesia. This type of research used in this research is quantitative research. Where this data is Panel data consisting of 5 years in 2014 to 2018, with 14 Islamic banks. The data used secondary data comes from annual reports of each Islamic commercial bank. The analysis technique used is panel data regression with the selected model that is Fixed Effect. Processing of data using Eviews 9. The results of this study indicate that: 1). Capital Adequacy Ratio (CAR) has a positive and significant effect on Financing to Deposit Ratio (FDR) in Islamic Commercial Banks in 2014-2018. 2). Return on Assets (ROA) has a significant negative effect on Financing to Deposit Ratio (FDR) at Islamic Commercial Banks in 2014-2018. 3). Non performing financing (NPF) has a non-significant negative effect on Financing to Deposit Ratio (FDR) in Islamic Commercial Banks in 2014-2018