Pengaruh Risiko Usaha Terhadap Return On Asset (ROA) pada Bank Umum Syariah Nasional Non Devisa

This study aimed to analyze the variables FDR, IPR, APB, NPF, DP and REO which have an influence on Return On Assets (ROA) simultaneously or partially on National Sharia Commercial Banks that use sampling techniques based on purposive sampling. There were three samples in this study which were Panin Dubai Syariah Bank, Jabar Banten Syariah Bank and Bukopin Syariah Bank from the period TW I 2014 to TW II 2019. The results simultaneously showed that liquidity risk, credit risk, and operational risk have a significant effect on ROA. Liquidity risk, measured using FDR and IPR, it showed that FDR and IPR have an insignificant positive effect on ROA at National Sharia Commercial Banks. Credit risk, measured using APB and NPF, it showed that APB had significant negative effect on ROA and NPF had an insignificant negative effect on ROA in National Sharia Commercial Banks and Operational Risk was measured using DP and REO, indicating that the DP had a positive effect which was not significant to ROA and REO had a significant negative effect on ROA on National Sharia Commercial Banks. Keywords : FDR, IPR, APB, NPF, DP, REO and Return On Asset (ROA