Abstract
This research analyzes about the influence of financial performance ratio to profitability of Rural Bank of Sharia in Indonesia. Financial performance ratio variables are proxied by the Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), and Operating Income Operating Expenses (BOPO). Profitability ratio is proxied with Return on Assets (ROA) and Return on Equity). The method used is Lin-Log Logarithm Transformation on Multiple Regression model. The results explain that the Capital Adequacy Ratio (CAR) ratio has no effect and the direction of negative moving relation to ROA and ROE. Non Performing Financing (NPF) and Financing to Deposit Ratio (FDR) ratios have a negative moving influence and direction towards ROA and ROE. Operating Expense and Operating Revenue Ratios have a significant influence. Direction of negative moving relation to Return on Assets (ROA) and positive to Return on Equity (ROE). This study found that the profitability of Sharia Rural Banks in Indonesia (BPRS) is influenced by the level of problem financing, proper allocation of financing, and the balance of operational efficiency.
Highlights
Bank Pembiayaan Rakyat Syariah (BPRS) merupakan salah satu lembaga keuangan syariah yang sudah lama di Indonesia
This study found that the profitability of Sharia Rural Banks in Indonesia (BPRS) is influenced by the level of problem financing, proper allocation of financing, and the balance of operational efficiency
“Pengaruh Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Debt Ratio (FDR), dan OER, Terhadap Return on Assets (ROA) Pada Bank Pembiayaan Rakyat Syariah di Indonesia Periode Januari 2009 Hingga Mei 2014”
Summary
Abstrak: Penelitian ini menganalisis tentang pengaruh rasio kinerja keuangan terhadap profitabilitas Bank Pembiayaan Rakyat Syariah di Indonesia. Variabel rasio kinerja keuangan diproksikan oleh Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), dan Beban Operasional Pendapatan Operasional (BOPO). Rasio profitabilitas diproksikan dengan Return on Assets (ROA) dan Return on Equity). Hasil penelitian menjelaskan bahwa rasio Capital Adequacy Ratio (CAR) tidak memiliki pengaruh dan arah hubungan bergerak negatif terhadap ROA dan ROE. Rasio Non Performing Financing (NPF) dan Financing to Deposit Ratio (FDR) memiliki pengaruh dan arah hubungan bergerak negatif terhadap ROA dan ROE. Arah hubungan bergerak negatif terhadap Return on Assets (ROA) dan positif terhadap Return on Equity (ROE). Penelitian ini menemukan bahwa profitabilitas Bank Pembiayaan Rakyat Syariah di Indonesia (BPRS) dipengaruhi oleh pencapaian penekanan pembiayaan bermasalah, alokasi pembiayaan yang tepat, dan keseimbangan efisiensi operasional
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