SKRIPSI PBS
ANALISIS PENGARUH BIAYA OPERASIONAL PENDAPATAN OPERASIONAL, NON PERFORMING FINANCING, DAN FINANCING TO DEPOSIT RATIO TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA PERIODE 2018-2022
ABSTRACT This study aims to analyze the effect of operating expenses on operating income, non-performing financing, and financing-to-deposit ratio on the profitability of Islamic commercial banks in Indonesia for 2018-2022. This type of research is quantitative, with secondary data taken from the quarterly financial reports of Islamic Commercial Banks. The analysis method used is the panel data model estimation method by considering the classical assumption test method, the determination correlation test, the f test, the t test. The results of this study obtained variable Operating Expenses Operating Income (BOPO) and Non Performing Financing (NPF) have a significant negative effect on profitability or return on assets of Islamic Commercial Banks in Indonesia. The Financing To Deposit (FDR) variable has no effect on profitability. Keywords: Operating Costs and Operating Income (BOPO), Non Performing Financing (NPF), Financing To Deposit (FDR), Return On Asset (ROA).
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