Pengaruh Faktor Financing, Return, Cost Dan Riskterhadap Profitabilitasperbankan Syariah Di Indonesia Periode 2015-2018

Every company has a goal to generate profitability so that its business can continue to grow and develop widely. Islamic banking as a financial institution has the goal of profitability for mutual prosperity. Currently, Islamic banking is facing intense competition not only from financial institutions, but also financial disruption after the advent of electronic wallets and financial technology. The purpose of this research is to define the effect of FDR, NI, BOPO, and CKPN on profitability (ROA) and to determine strategy to improve the financial performance of Sharia Commercial Bank in Indonesia. This study uses secondary data taken from sharia banking statistics in the year 2015-2018. The research approach used in this study is a quantitative research approach with multiple linear regression analyses using SPSS 19 software. The results of the study indicate that FDR, NI, BOPO, and CKPN simultaneously have an effect on the profit of Islamic banks. While partially the FDR variable has a positive and significant effect on the profitability of Islamic banking and BOPO has a negative and significant effect on the profitability of Islamic banking. NI variable does not have a significant positive effect on the profitability of Islamic banks and the CKPN variable does not have a significant negative effect on the profitability of Islamic banks. Some strategies to increase the growth and profitability of Islamic Banks including digital branches, QR Pay, optimize mobile banking and the sharia first implementation