FAKTOR YANG MEMPENGARUHI PROFITABILITAS PERBANKAN SYARIAH DI INDONESIA

Tamimah Tamimah

Abstract

Perbankan syariah di Indonesia telah menunjukkan trennya yang positif, bahkan lembaga
tersebut harus memiliki pondasi yang kuat untuk mempertahankan kemampuannya agar
dapat bersaing dengan perbankan syariah lainnya untuk mendapatkan profitabilitas yang
diharapkan. Kesuksesan tersebut dilihat dari banyak faktor salah satunya berdasarkan
performan perbankan syariah itu sendiri. Penelitian ini bertujuan untuk menganalisis NPF,
FDR, CAR, dan BOPO sebagai variabel independen dan ROA sebagai variabel dependen. Jenis
penelitian yang digunakan menggunakan data kuantitatif dengan menggunakan data panel
sejak periode 2010-2017 dengan menggunakan metode random effect. Hasil menunjukkan
vahwa variabel NPF, CAR, dan BOPO berpengaruh signifikan terhadap ROA, sedangkan FDR
tidak berpengaruh terhadap ROA.

Keywords

Profitabilitas, NPF, FDR, CAR, BOPO

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