Pengaruh Capital Adequacy Ratio (Car), Financing To Deposit Ratio (Fdr), Non Performing Financing Npf), Net Operating Margin (Nom) Terhadap Profitabilitas Dengan Biaya Operasional Per Pendapatan Operasional (Bopo)

The purpose of this study was to determine and analyze the effect of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non-Performing Financing NPF, Net Operating Margin (NOM) on Profitability with Operating Costs per Operating Income (BOPO).The population used in this study were Javanese Islamic banking companies registered with the Financial Services Authority. The data is a time-series cross-section data from 2013-2016. The data collection method used is secondary data available on the official. To analyze it, researchers used a path analysis model or path analysis.The formulations in this study are: 1) How is the Capital Adequacy Ratio, Non-Performing Financing, Financing Debt Ratio, Net Operating Margin, Operational Costs per Operating Income at Islamic Rural Banks, 2) Does CAR, NPF, FDR, NOM affect the BOPO, 3) Does CAR, NPF, FDR, NOM effect ROA, 4) Does operational cost per operating income affect profitability, 5) Does BOPO mediate CAR, NPF, FDR, NOM on profitability. The objectives of this study are: 1) To describe how CAR, NPF, FDR, NOM, Operational Costs on Operational Income in Islamic Rural Banks, 2) Test and analyze the effect of CAR, NPF, FDR, NOM on BOPO, 3) Test and analyze the effect of CAR, NPF, FDR, NOM on ROA, 4) Test and analyze the effect of operating costs per operating income on Profitability, 5) Test and analyze the effect of BOPO mediating CAR, NPF, FDR, NOM on Profitability.The results showed that the Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non-Performing Financing NPF, Net Operating Margin (NOM) had a significant positive effect on return on assets while operating costs per operating income had a negative effect on return on assets. return on assets. For further results, the Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), has a significant positive effect on BOPO, while the Financing to Deposit Ratio (FDR), Net Operating Margin (NOM) has a negative significant impact on BOPO and BOPO mediates a significant negative impact on BOPO. Return on Assets.Tujuan  penelitian ini adalah untuk mengetahui dan menganalisis pengaruh Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non Performing financing NPF), Net Operating Margin (NOM) terhadap Profitabilitas  dengan Biaya operasional per pendapatan operasional (BOPO). Populasi yang digunakan dalam penelitian ini adalah perusahaan  perbankan syariah sejawa yang terdaftar di Otoritas Jasa Keuangan. Data tersebut merupakan data time series cross section dari tahun  2013-2016. Metode pengumpulan data yang digunakan adalah data sekunder yang tersedia di situs resmi www.ojk.go.id.  Untuk  menganalisisnya, peneliti menggunakan model  path analysis atau analisis jalur.             Rumusan dalam penelitian ini adalah : 1) Bagaimana Capital Adequacy Ratio, Non Performing Financing,Financing Debt Ratio, Net Operating Margin, Biaya Operasional per Pendapatan Operasional di Bank Perkreditan Rakyat syariah, 2) Apakah CAR, NPF, FDR, NOM  berpengaruh terhadap BOPO, 3) Apakah CAR, NPF, FDR, NOM  berpengaruh terhadap ROA, 4) Apakah Biaya operasional per pendapatan operasional berpengaruh terhadap Profitabilitas, 5) Apakah BOPO memediasi CAR, NPF, FDR, NOM  terhadap  Profitabilitas. Adapun tujuan penelitian ini : 1) Menggambarkan bagaimana CAR, NPF, FDR, NOM , Biaya Operasional pada Pendapatan Operasional di Bank Perkreditan yang di Rakyat syariah, 2) Menguji dan menganalisis pengaruh CAR, NPF, FDR, NOM terhadap BOPO, 3) Menguji dan menganalisis pengaruh CAR, NPF, FDR, NOM  terhadap ROA, 4) Menguji dan menganalisis pengaruh biaya operasional per pendapatan operasional terhadap Profitabilitas, 5) Menguji dan menganalisis pengaruh BOPO memediasi CAR, NPF, FDR, NOM terhadap Profitabilitas.   Hasil penelitian menunjukkan bahwa Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non Performing financing NPF), Net Operating Margin (NOM) memiliki pengaruh positif signifikan terhadap return on assest, sedangkan biaya operasional per pendapatan operasional memiliki pengaruh negatif terhadap return on assest. Untuk hasil selanjutnya Capital Adequacy Ratio (CAR), Non Performing financing (NPF), memiliki pengaruh positif signifikan terhadap BOPO, sedangkan Financing to Deposit Ratio (FDR), Net Operating Margin (NOM) memiliki negati terhadap BOPO serta BOPO memediasi secara negatif signifikan  terhadap  Return on Assest