FAKTOR INTERNAL DAN EKSTERNAL YANG BERPENGARUH TERHADAP PROFITABILITAS BANK SYARIAH DI INDONESIA

Abstract

ABSTRACT This research aims to examine and analyze the influence of an internal and external factors which consist of capital adequacy ratio (CAR), financing to deposit ratio (FDR), Non performing financing (NPF), Operational efficiency ratio (OER), size, GDP and inflation on profitability of Islamic Bank. The dependent variable is profitability proxied by Return On Assets (ROA). The independent variable are capital adequacy ratio (CAR), financing to deposit ratio (FDR), Non performing financing (NPF), Operational efficiency ratio (OER), size, GDP and inflation. The multiple regression analysis was used in this research. Hypothesis testing used F test statistic and t- test statistic with siginificance 5%. The result of this research showed that variables CAR, FDR, NPF, OER, size, GDP and inflation simultaneously affected the profitability of Islamic banks. The variable CAR, OER and size partially have a negative effect on profitability of Islamic Bank. Variable FDR, NPF, GDP and inflation partially have no effect on profitability of Islamic Bank. Keyword : profitability, internal factors, external factors, syariah banking