Pengaruh Diversifikasi Aset, Risiko Bank, Likuiditas Bank, Ukuran Bank Terhadap Efisiensi Bank Umumm Syariah Indonesia

In 1992, Indonesia only have one islamic commercial bank. After 28 years, there are 13 islamic commercial banks in Indonesia. Then, how is the efficiency of islamic commercial banks in Indonesia. Efficiency in banking, is a way for banks to manage their funds to produce more than the costs. One way to assess efficiency with a BOPO ratio. There are many factors that can effect efficiency, like macroeconomic factors, financial performance and many other factors. The pupose of this study is to analyze the effect of asset diversification, bank risk, bank size on the efficiency of Indonesian islamic commercial banks. The data in this research are secondary data obtained from Indonesian Financial Services Authority. The sample used in this study was 12 islamic commercial banks that publich their financial statements in Indonesian Financial Services Authority. The study period is 5 years (2014-2018). Determination of sample in this study used a purposive sampling method. The analysis technique is this study are descriptive analysis and multiple linear regression analysis with hypotheses testing of statistic F and t test. Based on the result of the research that has been done, it can be taken few conclusions, namely: asset diversification has a positive effect on efficiency (BOPO), Non Performing Financing has a positive effect on Efficieny(BOPO), Financing to Deposit Ratio has a positive effeect on efficiency(BOPO), and Bank Size has a negative effect on Efficieny(BOPO). However, Asset Diversification, Non Performing Financing, Financing to Deposit Ratio, and Bank Size silmutaneously affect towards the Efficiency (BOPO)