Abstract
This study aims to analyse the influence of bank health ratios on the financial performance of Islamic Commercial Banks using the ratio of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) ratio, Operating Expenses Operating Income ratio (OEOI), against Islamic Commercial Bank’s profitability represented by Return on Asset ratio (ROA). The population used in this study is the financial statements of Islamic Commercial Banks period 2015 until 2017. Types of quantitative data with library data collection techniques, and documentation. Technical analysis of data using multiple linear regression analysis with the help of SPSS 20 program. The results showed that health variables (CAR, LDR, and OEOI) simultaneously affect the Financial Performance of Islamic Commercial Banks. Partially CAR has no significant effect on ROA, LDR has no significant effect on ROA. The effect of OEOI on ROA is partial.
Highlights
Abstrak Penelitian ini bertujuan untuk menganalisis pengaruh rasio kesehatan bank terhadap kinerja keuangan Bank Umum Syariah melalui rasio Capital Adequacy Ratio (CAR), rasio Loan to Deposit Ratio (LDR), rasio Biaya Operasional Pendapatan Operasional BOPO, terhadap profitabilitas (ROA) Bank Umum Syariah
The population used in this study is the Islamic Commercial Bank operating in Indonesia
For Operational Income Operating Cost (OEOI) ration, if there is an increase of 1% it will negatively affect the level of profitability (ROA) of Islamic Commercial Bank of -0.082 but this is considered significant
Summary
Abstrak Penelitian ini bertujuan untuk menganalisis pengaruh rasio kesehatan bank terhadap kinerja keuangan Bank Umum Syariah melalui rasio Capital Adequacy Ratio (CAR), rasio Loan to Deposit Ratio (LDR), rasio Biaya Operasional Pendapatan Operasional BOPO, terhadap profitabilitas (ROA) Bank Umum Syariah. Muslim community in Indonesia still have poor knowledge, where the majority Muslim country they are still many who think that the system of interest in conventional banks and profit sharing system in Islamic banks is the same system, so people prefer to use conventional banking services which is considered to have experience in running banking busi- This lead the study to research on the financial aspect of Islamic banking by analysing the performance and profitability of Islamic bank players. The Bank’s health ratio consists of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Operational Income Operating Cost (OEOI) These measures will be used to analyse Islamic Banking Industry in Indonesia
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