Abstract
The aim of this study is to examine the influence of effect of Asset Quality (NPF), Liquidity Level (FDR), Operating Efficiency (BOPO) and Return On Asset (ROA) on the Capital Adequacy Level by Capital Adequacy (CAR) on the general Islamic Bank listed on the Indonesian Bank in period 2012-2015. There are 11 samples in this research that is sharia BCA Bank, Muamalat Bank, Bukopin Bank, BRI Bank, Mega Bank, BNI Bank, BJB Bank, Mandiri Bank, Victoria Bank, Panin Bank and Maybank Bank. Hypotheses test used is panel data regression by carry out F Test and T test with value significant 5%. The result of F test, shows that simultaneously the NPF, FDR, BOPO and ROA have a influence on Capital Adequacy Ratio (CAR). The result of t-test,shows that ROA, FDR and BOPO are have negative influence on Capital Adequacy (CAR) and NPF have no effect towards Capital Adequacy (CAR) at Sharia Bank period 2010-2015.
Highlights
PENDAHULUAN Dewasa ini, perbankan Islam telah berkembang pesat, baik di negara Muslim maupun non-Muslim
The aim of this study is to examine the influence of effect of Asset Quality (NPF), Liquidity Level (FDR), Operating Efficiency (BOPO) and Return On Asset (ROA) on the Capital Adequacy Level by Capital Adequacy (CAR) on the general Islamic Bank listed on the Indonesian Bank in period 2012-2015
Hambatan dan Perkembangan Bank Syariah, data di akses tanggal 1
Summary
Idhat memandang perkembangan industri keuangan syariah belakangan kinerjanya menurun. Menurunnya kinerja perbankan syariah adalah belum selarasnya visi serta kurangnya koordinasi antara pemerintah dengan otoritas dalam perkembangan perbankan syariah. Persoalan berikutnya adalah masih banyak bank syariah yang memiliki modal belum memadai yang akan menghambat bank-bank syariah dalam membuka kantor cabang, mengembangkan infrastruktur dan pengembangan segmen layanan.
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