Abstract
This study aims to analyze the significance effect of Financing to Deposit Ratio (FDR), Operasional Activity Efficiency Ratio (REO), Non Performing Financing (NPF) and Inflation toward Return On Asset (ROA) at Sharia Commercial Banks in Indonesia Period 2014-2019, both simultaneously and partially. The population in this study were all Sharia Commercial Banks in Indonesia period 2014-2019, while the sample in this study were 4 (four) Sharia Commercial Banks in the period of 2014-2019, which were selected using purposive sampling technique. The analysis model in this study is a multiple linear regression analysis model, and the analysis technique used the simultaneous test (F test), determination coefficient test (R2), and partial test (t test). The result of this study showed that the FDR, REO, NPF and Inflation simultaneously have a significant effect toward ROA at Sharia Commercial Banks in Indonesia period 2014-2019. Furthermore FDR partially has a positive but not significant effect toward ROA, REO partially has a negative and significant effect toward ROA, NPF partially has a negative but not significant effect toward ROA, and Inflation partially has a positive and significant toward ROA at Sharia Commercial Banks in Indonesia period 2014-2019.
Highlights
This study aims to analyze the significance effect of Financing to Deposit Ratio (FDR), Operasional Activity Efficiency Ratio (REO), Non Performing Financing (NPF) and Inflation toward Return On Asset (ROA) at Sharia Commercial Banks in Indonesia Period 2014-2019, both simultaneously and partially
The analysis model in this study is a multiple linear regression analysis model, and the analysis technique used the simultaneous test (F test), determination coefficient test (R2), and partial test (t test)
The result of this study showed that the FDR, Rasio Efisiensi Kegiatan Operasional (REO), NPF and Inflation simultaneously have a significant effect toward ROA at Sharia Commercial Banks in Indonesia period 20142019
Summary
Berdasarkan Undang-Undang Republik Indonesia Nomor 21 Tahun 2008 tentang Perbankan Syariah, Bank Syariah adalah bank yang menjalankan kegiatan usahanya berdasarkan prinsip syariah dan menurut jenisnya terdiri atas Bank Umum Syariah (BUS) dan Bank Pembiayaan Rakyat Syariah (BPRS). Menurut Rivai dan Arifin (2010), FDR adalah perbandingan antara pembiayaan yang diberikan oleh bank dengan Dana Pihak Ketiga (DPK) yang berhasil dikerahkan oleh bank. Likuiditas juga tidak boleh terlalu besar, karena akan menurunkan efisiensi bank sehingga berdampak pada rendahnya tingkat profitabilitas. FDR mempunyai peranan yang sangat penting sebagai indikator yang menunjukkan tingkat ekspansi pembiayaan yang dilakukan bank sehingga FDR dapat juga digunakan untuk mengukur berjalan tidaknya suatu fungsi intermediasi bank (Suwiknyo 2016). Tinggi rendahnya rasio NPF menunjukkan kualitas pembiayaan bank syariah. Semakin tinggi rasio NPF, menunjukkan kualitas pembiayaan Bank Syariah akan semakin buruk. Kualitas pembiayaan yang kurang baik atau bahkan memburuk, akan berdampak secara langsung pada penurunan pendapatan dan laba yang diperoleh Bank Syariah (IBI, 2015). Indeks harga konsumen adalah angka indeks yang menunjukkan tingkat harga barang dan jasa yang harus dibeli konsumen dalam satu periode tertentu. Barang dan jasa yang dianggap penting diberi bobot yang paling besar
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