Pengaruh Biaya Operasional Pendapatan Operasional (BOPO), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR) dan Sertifikat Bank Indonesia Syariah (SBIS) terhadap Return On Asset (ROA) (Studi Kasus pada Bank Umum Syariah di Indonesia Periode 2010-2014)

This study aimed to analyze the influence (ROA) Operating Costs Operating Income, NPF (Non Performing Financing), FDR (Financing to Deposit Ratio) and SBIS (Bank Indonesia Certificates Sharia) on ROA (Return on Assets) a case study in Islamic Banks in Indonesia. By taking the data four samples, namely Islamic Banks, PT. Bank Muamalat Indonesia, PT. Bank Syariah Mandiri, PT. Bank BRI Syariah, and PT. Bank Bukopin Syariah. This research is quantitative. Analyses were performed using secondary data time series (time series) quarterly documentation obtained from the official website of each bank in the study period of 2010 through 2014. The analytical method used is multiple linear regression in SPSS software version 22 and Microsoft Office Excel 2007 the approach to the science of statistics. The results showed that the ROA, NPF, FDR and SBIS simultaneously affect the ROA (Return on Assets). BOPO and FDR partially influence on ROA (Return on Assets). While the NPF and SBIS no effect on ROA (Return on Assets) with a confidence level of 95%, the value of Adjusted R-square is generated by 55%, giving meaning that the ROA (Return on Assets) is able to be explained by the variable ROA, NPF, FDR and SBIS by 55%, and the remaining 45% is explained by other variables not included in this study, example: CAR, Inflation, DPK, BI Rate and other