SKRIPSI PBS
PENGARUH KINERJA KEUANGAN TERHADAP PROFITABILITAS PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2016-2020
ABSTRACT The ROA ratio is the ratio measuring the bank's ability to obtain overall profits. The high and low ROA depends on the overall management of assets by the bank management. This study aimed to determine the effect of Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Net Operating Margin (NOM), operating expenses and operating income (BOPO), and Financing to Deposit Ratio (FDR) on Return on Assets (ROA). The method used is quantitative with a sample of 9 Islamic commercial banks using purposive sampling techniques and types of data on used is taken from secondary data and a quarterly report from year 2016 - 2020. This study uses panel data regression model because it is a combination of time series and cross section data with the selected approach is the Fixed Effect Model (FEM). Data processing using Eviews 10. From the results of research that has been done shows that simultaneously variable CAR, NPF, NOM, BOPO and FDR together affect the ROA of Islamic commercial banks. Partially variable CAR significant positive effect on ROA. While the variable NPF and NOM did not have a significant influence on the ROA of Islamic commercial banks. and untum variable BOPO and FDR have a significant negative influence on the ROA of Islamic commercial banks. Keyword : ROA, CAR, NPF, NOM, BOPO, FDR, CAMEL, and Islamic Bank
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