PENGARUH CAPITAL ADEQUACY RATIO (CAR), NON PERFORMING FINANCING RATIO (NPFR), DAN OPERATIONAL EFFICIENCY RATIO (OER) TERHADAP PEMBIAYAAN BERBASIS BAGI HASIL PADA BANK UMUM SYARIAH PERIODE 2015-2019

Effect of Capital Adequacy Ratio (CAR), Non Performing Financing Ratio (NPFR), Operational Efficiency Ratio (OER) on Profit Sharing-Based Financing at Islamic Commercial Banks for the 2015-2019 Period; Septiani Dwi SuryaNingsukma; NIM; 201610510311090; Islamic Economics Study Program FAI UMM. The purpose of this study is to determine the effect of CAR, NPFR, OER on profit-sharing-based financing. This study uses a quantitative approach with the object of research at Islamic Commercial Banks registered with the OJK. This study uses SPSS 21 as an analytical tool. The population in this study there are 14 Islamic Commercial Banks and 10 samples of banks that are in the Financial Services Authority. The results of this study indicate that the Capital Adequacy Ratio (CAR), Non Performing Financing Ratio (NPFR), Operational Efficiency Ratio (OER) simultaneously have a significant influence on profit sharing financing. Partially, the Capital Adequacy Ratio (CAR) has a significant negative effect on profit-sharing financing, while the Non-Performing Financing Ratio (NPFR) has a negative and insignificant effect on profit-sharing financing and the Operational Efficiency Ratio (OER) has a negative and insignificant effect. to profit-sharing financing