SARI, NURDIANA KUMALA (2019) PENGARUH CAPITAL ADEQUACY RATIO (CAR), NON PERFORMING FINANCING (NPF) DAN FINANCING TO DEPOSIT RATIO (FDR) TERHADAP RETURN ON ASSET (ROA) (Studi Empiris Pada Bank Umum Syariah di Indonesia Tahun 2014-2017). S1 thesis, Universitas Mercu Buana.
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Abstract
This study aims to examine the factors that influence Return On Assets in Islamic Commercial Banks in Indonesia. The independent variables used in this study are Capital Adequacy Ratio (CAR), Non Performing Financing (NPF) and Financing to Deposit Ratio (FDR). The object of this research is Sharia Commercial Banks in Indonesia that have been registered with Bank Indonesia and the Financial Services Authority in 2014 - 2017. This research was conducted using a quantitative descriptive approach with a population of 13 Islamic commercial bank with sample of 8 islamic commercial banks. Therefore, the analysis of the data used is statistic is the form of multiple linear analysis test. The data used in this study are secondary data using the SPSS 21 application program. The results showed that the Capital Adequacy Ratio (CAR) affected the Return On Asset (ROA), Non Performing Financing (NPF) effect on the Return On Asset (ROA) while the Financing to Deposit Ratio (FDR) did not affect the Return On Asset (ROA) . Keywords: Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Return On Assets (ROA), and Islamic Commercial Banks (BUS) Penelitian ini bertujuan untuk menguji faktor-faktor yang berpengaruh terhadap Return On Assets pada Bank Umum Syariah yang ada di Indonesia. Variabel independen yang digunakan dalam penelitian ini adalah Capital Adequacy Ratio (CAR), Non Performing Financing (NPF) dan Financing to Deposit Ratio (FDR). Objek penelitian ini adalah Bank Umum Syariah di Indonesia yang telah terdaftar di Bank Indonesia dan Otoritas Jasa Keuangan pada tahun 2014 – 2017. Penelitian ini dilakukan menggunakan pendekatan deskriptif kuantitatif dengan jumlah populasi 13 bank umum syariah dengan sampel 8 Bank Umum Syariah. Karena itu, analisis data yang digunakan adalah statistik dalam bentuk uji analisis linier berganda. Data yang digunakan dalam penelitian ini adalah data sekunder dengan menggunakan program aplikasi SPSS 21. Hasil penelitian menunjukkan bahwa Capital Adequacy Ratio (CAR) berpengaruh terhadap Return On Asset (ROA), Non Performing Financing (NPF) berpengaruh terhadap Return On Asset (ROA) sedangkan Financing to Deposit Ratio (FDR) tidak berpengaruh terhadap Return On Asset (ROA). Kata kunci : Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Return On Asset (ROA), dan Bank Umum Syariah (BUS)
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