SKRIPSI AKS
Pengaruh Rasio Keuangan Dan Intellectual Capital Terhadap Profitabilitas Bank Syariah Di Indonesia (Studi Kasus Pada Bank Umum Syariah Periode 2014-2019)
ABSTRACT
This study aimed to examine the effect of Capital Adequacy Ratio (CAR),
Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Biaya
Operasional Pendapatan Operasional (BOPO), and Intellectual Capital (IC) to
profitability Islamic Banks in Indonesia which is proxied by Return on Asset (ROA).
This study using quantitative approach with 11 sampels BUS (Bank Umum Syariah)
which is registred in Bank Indonesia 2014-2019. The type of data used secondary
data and it is time series and cross section data in the from of financial report
published on the official website of the relevant bank. The analytical method using
panel data regression analysis. The analytical tools used in this research is Eviews
10. The result of this study showed that CAR has a positive effect on profitability,
NPF and BOPO has a negative on profitability, while FDR and IC has no effect on
profitability.
Keywords: Profitability, CAR, FDR, NPF, BOPO, Intellectual Capital
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