Pengaruh Capital Adequacy Ratio, Non Perfoming Financing, Dan Financing To Deposit Ratio Terhadap Profitabilitas (studi Empiris Pada Bank Umum Syariah Periode 2012-2016)

Zahra Nur Khadijah, Dewa Putra Khrisna Mahardika

Abstract

ABSTRAK Bank Umum Syariah memiliki potensi pertumbuhan yang besar terutama di Indonesia dengan penduduk muslim terbesar sehingga sudah selayaknya menjadi pelopor pengembangan industri dan keuangan syariah. Oleh karena itu perlunya ditingkatkan kinerja bank syariah agar sesuai dengan prinsip syariah. Kinerja bank syariah dinilai dengan rasio profitabilitas yang diproksikan dengan return on asset. Penelitian ini bertujuan untuk menguji pengaruh Capital Adequacy Ratio(CAR), Non Performing Financing(NPF), Financing to Deposit Ratio (FDR) terhadap profitabilitas yang diproksikan dengan Return on Asset (ROA) pada Bank Umum Syariah Indonesia periode 2012-2016. Data yang digunakan dalam penelitian ini diperoleh dari data laporan keuangan Bank Umum Syariah periode 2012-2016. Populasi dalam penelitian ini adalah Bank Umum Syariah di Indonesia. Teknik pemilihan sampel yang digunakan yaitu purposive sampling dan diperoleh sebelas Bank Umum Syariah dengan periode penelitian pada tahun 2012-2016. Metode analisis data dalam penelitian ini adalah analisis regresi data panel dengan menggunakan software Eviews versi 9. Hasil penelitian menunjukan secara simultan Capital Adequacy Ratio, Non Performing Financing, dan Financing to Deposit Ratio berpengaruh signifikan terhadap profitabilitas. Sedangkan secara parsial, Capital Adequacy Ratio berpengaruh positif signifikan terhadap profitabilitas, Non Performing Financing berpengaruh negatif signifikan terhadap profitabilitas,dan Financing to Deposit Ratio tidak berpengaruh terhadap profitabilitas. Kata Kunci :Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Return on Asset (ROA) ABSTRACT Sharia Commercial Bank has great potential to grow and develop, particularly in Indonesia with the largest Muslim populations, so it should be the pioneer in the development of financial in the field of sharia and sharia industry.Therefore, sharia banks performance needs to be improved in accordance with the sharia principles.The performance of sharia banks is valued by profitability ratios proxied by return on asset. This study aims to examine the effect of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR) to profitability ratios proxied by Return on Asset (ROA) at Sharia Commercial Bank in Indonesia period 2012-2016. The data used in this research is obtained from Sharia Commercial Bank financial statement data period 2012-2016. The population in this study is the Sharia Commercial Bank in Indonesia. The sampling technique used is purposive sampling and obtained eleven Sharia Commercial Banks with research period in 2012-2016. Data analysis method in this research is panel data regression analysis by using software Eviews version 9. Based on the result of this research, if ShariaCommercialBank wants to increase profitability,then Sharia Commercial Bank needs to increase capital adequacy ratio and reduce non perfoming financing to achieve Sharia Commercial Banks that can improve their business continuity. Keywords:Capital Adequacy Ratio (CAR),Non Performing Financing (NPF),Financing to Deposit Ratio (FDR),Return on Asset (ROA)

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