RAHADIANTO, WAFIQ (2019) PENGARUH CASH ADEQUACY RATIO (CAR), NON PERFORMING FINANCE (NPF), FINANCE TO DEBT RATIO (FDR) DAN BIAYA OPERASIONAL TERHADAP PENDAPATAN OPERASIONAL (BOPO) TERHADAP PROFITABILITAS BANK UMUM SYARIAH PERIODE 2012 - 2016 (Studi Kasus pada Bank Syariah Umum di Indonesia). S1 thesis, Universitas Mercu Buana Jakarta.
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Abstract
This research is performed on order to test the influence of the variable Capital Adequacy Ratio (CAR), Non Performing Finance (NPF), Finance to Debt Ratio (FDR) and Biaya Operasional toward Pendapatan Operasional (BOPO) toward Profitability on Indonesian Sharia Commercial Bank. Metodhology research as the sample used purposive sampling, sample was accured 4 Sharia Commercial Bank in Indonesia. Data analysis with multi liniear regression of ordinary least square and hypotheses test used t-statistic and F-statistic at level of significance 5% a classic assumption examination which consist of data normality test, multicolinearity test, heteroscedasticity test and autocorrelation test is also being done to test the hypotheses. During research period show as variable and data research was normal distributed. Based on test, multicolinearity test, heteroskedasiticity test and autocorrelation test classic assumption deviation has not found, this indicating that the available data has fulfill the condition to use multi linear regression model. Result of this research show that NPF and BOPO variable positive significant toward ROA. CAR and FDR variable did not influence ROA. Key Words : Profitability, Return to Assets (ROA), Capital Adequacy Ratio (CAR), Non Performing Finance (NPF), Finance to Debt Ratio (FDR) and Biaya Operasional toward Pendapatan Operasional (BOPO). Penelitian ini dilakukan untuk menguji pengaruh Capital Adequacy Ratio (CAR), Non Performing Finance (NPF), Finance to Debt Ratio (FDR) dan Biaya Operasional terhadap Pendapatan Operasional (BOPO) terhadap Profitabilitas pada Bank Umum Syariah di Indonesia. Teknik sampling yang digunakan adalah purposive sampling. Diperoleh jumlah sampel sebanyak 4 Bank Umum Syariah di Indonesia. Teknik analisis data yang digunakan adalah regresi linier berganda dengan persamaan kuadrat terkecil dan uji hipotesis menggunakan t-statistik untuk menguji koefisien regresi parsial serta F-statistik untuk menguji keberartian pengaruh secara bersama-sama dengan tingkat signifikasi 5%. Selain itu juga dilakukan uji asumsi klasik yang meliputi uji normalitas, uji multikolinearitas, uji heteroskedastisitas dan uji autokorelasi. Selama periode pengamatan menunjukkan bahwa data penelitian berdistribusi nomal. Berdasarkan uji normalitas, uji multikolinearitas, uji heteroskedastisitas dan uji autokorelasi tidak ditemukan variabel yang menyimpang dari asumsi klasik. Hal ini menunjukkan data yang tersedia telah memenuhi syarat menggunakan model persamaan regresi linier berganda. Hasil penelitian ini menunjukkan bahwa variabel NPF dan BOPO berpengaruh negatif signifikan terhadap ROA, sedangkan variabel CAR dan FDR tidak berpengaruh signifikan terhadap ROA. Kata Kunci : Profitabilitas, Return to Assets (ROA), Capital Adequacy Ratio (CAR), Non Performing Finance (NPF), Finance to Debt Ratio (FDR) dan Biaya Operasional terhadap Pendapatan Operasional (BOPO).
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