Abstract
The purpose of this research is to analyze the influence of third party funds, capital adequacy ratio (CAR), non performing financing (NPF) ,financing to deposit ratio (FDR) Of return on assets (ROA) during period of 2008-2013 syariah banks in indonesia. About 3 syariah banks in indonesia was taken as sample for this research. The data used for this research were obtained from the data of Quarterly Published Financial Report Period 2008 up to 2013. The analysis technique used is Linear Regression that aims for estimating the relationships among variables. The results of F test showing that Third Party Funds, CAR, NPF and FDR simultaneously influential to ROA. While The result of t-test showing Third Party and NPF has significant positif effect to ROA, CAR and FDR has a negative effect on ROA syariah banks in Indonesia.Keywords: ROA, Third Party Funds, CAR , NPF, FDR
Highlights
1.1 Research BackgroundAct number 21 of 2008 states that definition of Bank is a business entity that collects funds from people in the form of savings and distributes it to the people community in the form of credit and or other forms in order to improve people's living standards
In 2008, capital adequacy ratio (CAR) of sharia commercial banks amounted to 12.81% further in 2009 of 10.77% resulting in decline of 2.04%
Analysis on sample of this research populations is Islamic (Sharia) Commercial banks shows that there is a decrease in CAR value in deposits (DPK) positions increased from the previous year
Summary
1.1 Research BackgroundAct number 21 of 2008 states that definition of Bank is a business entity that collects funds from people in the form of savings and distributes it to the people community in the form of credit and or other forms in order to improve people's living standards. Banking in Indonesia consists of sharia and conventional banking Both have important role as intermediary in charge of collecting and channeling funds to the people. In this matter, condition of banking can be seen from the performance achieved. In Sharia bank, decrease can be seen in the value of CAR in Islamic banks in 2008 to 2009 amounted to 2.04% and fell back in 2011 to 2012 at 2.09% while in conventional banking tend to be stable. Analysis on Sharia Commercial banks shows that there is a decrease in CAR value in deposits (DPK) positions increased from the previous year.
Sign-in/Register to view highlights & summary 
Published Version (
Free)
Talk to us
Join us for a 30 min session where you can share your feedback and ask us any queries you have
Schedule a call