Pengaruh CAR, BOPO, NPF dan FDR Terhadap Profitabilitas Bank Syariah (Studi Empiris Bank Umum Syariah Swasta Nasional yang Terdaftar di Otoritas Jasa Keuangan Periode 2016-2019)

Banking is a financial institution that has a role in the financial system in Indonesia. The existence of the banking sector has a fairly important role, where in people's lives most of them involve services from the banking sector. This is because the banking sector is an institution that carries out the main function as a financial intermediary between parties who have funds (surplus funds) and parties who need funds (fund deficit), so this study aims to examine the factors that factors that affect the company's profitability, such as Capital Adequacy Ratio (CAR), Operating Expenses to Operating Income(BOPO), Non Performing Financing (NPF), and Financing to Deposits Ratio (FDR). The population in this study were Islamic banking companies in 2016-2019. The sample was taken using purposive sampling method, which obtained a research sample of 14 Islamic banking companies. Methods of data analysis using multiple linear regression analysis method. The results showed that the Financing to Deposits Ratio (FDR) had an effect on the profitability of Islamic banking with a sig value. (0.031 < 0.05). Meanwhile, Cash Adequacy Ratio (CAR), Operating Expenses to Operating Income (BOPO), and Non Performing Financing (NPF) have no effect on the profitability of 2 Islamic banking with a sig value. each variable is (0.071 > 0.05), (0.794 > 0.05), and (0.495 > 0.05)