LYSTIAWAN, PUJI (2019) FAKTOR-FAKTOR YANG MEMPENGARUHI PROFITABILITAS PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2013-2017. S1 thesis, Universitas Mercu Buana Jakarta.
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Abstract
The main problem of this research is how the influence of macroeconomics and financial ratios on profitability in Islamic Commercial Banks. Research the effect, CAR, FDR, BOPO, and NPF on ROA partially and simultaneously. Correlational research with quantitative analysis is a type of research. Data is collected through library research, field research, and internet research. Furthermore, processing and data analysis techniques are carried out through four stages, namely the classical assumption test, multiple regression analysis, F test and t test. During the observation period shows that the research data is normally distributed, meaning that there are no variables that deviate from the classical assumptions. This shows that the available data meets the requirements using multiple linear regression equation models. The results of this study indicate that simultaneous testing of the five variables has a significant effect on ROA. Partially, BOPO has a significant negative effect on ROA. Another finding, NPF has a negative and not significant effect and CAR and FDR have a positive and insignificant effect. These three variables have no effect on the ROA of Sharia Commercial Banks. Key Word: ROA, CAR, FDR, BOPO, NPF. Pokok masalah penelitian ini adalah bagaimana pengaruh makro ekonomi dan rasio keuangan terhadap profitabilitas pada Bank Umum Syariah. Penelitian pengaruh, CAR, FDR, BOPO, dan NPF terhadap ROA secara parsial dan simultan. Penelitian korelasional (correlational research) dengan analisis kuantitatif merupakan tipe penelitian ini. Data dikumpulkan melalui library research, field research, dan internet research. Selanjutnya, teknik pengolahan dan analisis data dilakukan dengan melalui empat tahap, yaitu uji asumsi klasik, analisis regresi berganda, uji F dan uji t. Selama periode pengamatan menunjukkan bahwa data penelitian berdistribusi normal artinya tidak terdapat 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 pengujian secara simultan kelima variabel tersebut berpengaruh signifikan terhadap ROA. Secara parsial, BOPO memiliki pengaruh negatif signifikan terhadap ROA. Temuan lainnya, NPF berpengaruh negatif tidak signifikan dan CAR serta FDR berpengaruh positif tidak signifikan. Ketiga variabel tersebut tidak berpengaruh terhadap ROA Bank Umum Syariah. Kata Kunci: ROA, CAR, FDR, BOPO, NPF
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