Abstract
This study studied to analyze the factors that influence the ROA at the UUS Bank BTN seen from internal factors as well as from external banks. Related to internal bank factors, namely Non Performing Financing (NPF), and Intellectual Capital, and bank external factors which contain Inflation, and Bank Indonesia Interest Rates. The research period from 2006 to 2017. The data used was obtained from the Annual Publication Financial Report with data collection techniques by means of coordination, so that the research data sample was 12. Data analysis techniques used were multiple linear regression.
 The results of the study show that all variables, namely NPF, Intellectual Capital, Inflation, and Interest Rate of Bank Indonesia affect ROA simultaneously. Partial inflation, and Bank Indonesia interest rates do not affect the temporary ROA of NPF, and intellectual capital influences ROA significantly. From independent independent variables that oppose the submission of opinions on the ROA owned by NPF which has the greatest influence with a coefficient of -0,353338%. Next Intellectual Capital with a coefficient of 0,107804%.
Highlights
Profitability or ability to obtain profits is a measure used to assess the extent to which a company is able to generate profits at the level received
This study studied to analyze the factors that influence the Return On Assets (ROA) at the UUS Bank BTN seen from internal factors as well as from external banks
Previous research Research on Non-Performing Financing (NPF), Intellectual Capital, Inflation, and Bank Indonesia Interest Rates (BI Interest Rate) on Return on Assets (ROA) has been carried out by several previous researchers, as conducted by Gunartin (2015) who studied Islamic and conventional banking in Indonesia for the June 2010-2013 period showed that the NPL had a significant negative effect on ROA
Summary
Profitability or ability to obtain profits is a measure used to assess the extent to which a company is able to generate profits at the level received. Based on the above data, Bank BTN's UUS ROA and Assets show that in the same period namely 2014 to 2017 the growth of UUS ROA has a tendency to decline with asset levels which tend to increase even above the average growth of Islamic banking assets. For this reason, it needs to be examined more in the factors that can influence the bank's profitability
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