Abstract
The purpose of this study was to determine and analyze the effect of the level of bank health ratios measured by BOPO, FDR and NPF on increasing the profitability of the Sharia Commercial Bank industry in Indonesia, which is proxied by ROA. The data used in this study are secondary data including operational efficiency (BOPO), liquidity (FDR), Non Performing Finance (NPF) and Return On Assets (ROA) in the sharia commercial bank industry registered at Bank Indonesia. The data is a monthly time series data from 2015-2018 obtained through the official sharia banking statistics website, Financial Services Authority (https://www.ojk.go.id). To analyze it, researchers used a multiple linear regression model with statistical tool software EViews 9. From the observations and analysis of the data that has been done, the conclusions in this study are the BOPO, FDR and NPF on ROA which is an indicator of the Bank's health to measure profitability has a high relationship . The BOPO variable partially has a significant negative effect on profitability (ROA). FDR partially has a negative and significant effect on ROA. NPF partially has no positive effect on profitability.
Highlights
Abstrak Tujuan penelitian ini adalah untuk mengetahui dan menganalisis pengaruh tingkat rasio kesehatan bank yang diukur dengan Biaya Operasional terhadap Pendapatan Operasional (BOPO), Financing to Deposit Ratio (FDR) dan Non Performing Finance (NPF) terhadap peningkatan profitabilitas industri Bank Umum Syariah di Indonesia yang diproksikan dengan Return On Assets (ROA)
analyze the effect of the level of bank health ratios measured by BOPO
which is proxied by ROA
Summary
Ini berarti variabel BOPO dalam hasil persamaan regresi berpengaruh dengan koefisien regresi negatif terhadap ROA industri bank umum syariah di Indonesia. Hasil penelitian ini senada dengan penelitian yang dilakukan (M et al, 2012), bahwa BOPO berpengaruh negatif dan signifikan terhadap ROA pada Bank Umum Syariah. Ini berarti variabel FDR dalam hasil persamaan regresi berpengaruh dengan koefisien positif terhadap ROA industri bank umum syariah di Indonesia. 4. Kesimpulan Dari tiga variabel independen (BOPO, FDR dan NPF) menunjukan bahwa BOPO paling besar pengaruhnya terhadap ROA dengan nilai beta yang paling tinggi dibanding kedua variabel lainya yaitu sebesar -0.115254, sedangkan variabel NPF tidak signifikan. Financing to Deposit Ratio (FDR) berpengaruh positif signifikan terhadap profitabilitas industri bank umum syariah di Indonesia yang diproksikan dengan ROA.
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