Pengaruh Non Performing Financing (NPF), Financing Deposit To Ratio (FDR), Capital Adequacy Ratio (CAR) dan Inflasi terhadap Profitabilitas Pada Bank Umum Syariah di Indonesia Yang Terdaftar di Otoritas Jasa Keuangan Tahun 2015-2019

Abstract

Abstract. This study aims to examine the effect of Non Performing Financing (NPF), Financing Deposit To Ratio (FDR), Capital Adquacy Ratio (CAR) and Inflation on Profitability in financial statements. The object of exploration utilized in this examination is Islamic Business Banks in Indonesia which are enlisted with the Monetary Administrations Authority during the period 2015 to 2019. The example research procedure was done utilizing purposive testing technique utilized upwards of 11 examples of Islamic banks and got 55 examples of information. . This examination utilizes board information relapse investigation as a technique to gauge the impact of free factors on the reliant variable utilizing Eviews 10. The consequences of the exploration utilizing board information relapse investigation utilizing the best technique, to be specific the arbitrary impact model (REM) show that NPF, FDR, Vehicle, and expansion on ROA arrived at 68.43% which implies that the free influences the reliant variable, while 31.57% influences different factors that are not analyzed. This investigation likewise shows that NPF, FDR, Vehicle, and Swelling all the while simultaneously affect ROA. The aftereffects of the t test show that NPF and Vehicle partially affect ROA. In the interim FDR and Swelling have no halfway impact on ROA..

Abstract. Penelitian ini bertujuan untuk menguji pengaruh Non Performing Financing (NPF), Financing Deposit To Ratio (FDR), Capital Adquacy Ratio (CAR) dan Inflasi terhadap Profitabilitas dalam laporan keuangan. Objek penelitian yang dipakai ialah Bank Umum Syariah di Indonesia yang terdaftar di Otoritas Jasa Keuangan periode tahun 2015 - 2019. Teknik penelitian sampel dilakukan dengan menggunakan metode purposive sampling ialah 11 sampel bank syariah serta diperoleh 55 data sampel. Penelitian ini menggunakan analisis regresi data panel untuk mengukur pengaruh variabel independen terhadap variabel dependen dengan menggunakan Eviews 10. Hasil penelitian analisis regresi data panel menggunakan pendekatan terbaik yaitu random effect model (REM) menunjukkan bahwa NPF, FDR, CAR, dan Inflasi terhadap ROA mencapai 68,43% yang berarti bahwa variabel independen berpengaruh terhadap variabel dependen, sedangkan 31,57% sisanya dipengaruhi oleh varibel laiin yang tak ditelti. Penelitian ini juga menunjukkan bwa NPF, FDR, CAR, dan Inflasi secara bersama-sama berpengaruh secara simultan terhadap ROA. Hasil uji t menunjukkan NPF dan CAR berpengaruh secara parsial terhadap ROA. Sementara FDR dan Inflasi tidak berpengaruh secara parsial terhadap ROA.