Analisis Faktor Faktor Yang Mempengaruhi Profitabilitas Bank Umum Syariah di Indonesia Tahun 2015-2020
Keywords:
Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Net Interest Margin (NIM), Operating Costs per Operating Income (BOPO), Return on Assets (ROA)Abstract
This study aims to analyze and examine the effect of Capital Adequacy Ratio (CAR), Non Performing Financing (NPF) Net Interest Margin (NIM), and Operating Costs per Operating Income (BOPO) on Return on Assets (ROA) at Islamic Commercial Banks in Indonesia. 2015-2020 years. The sampling technique used in this research is purposive sampling. The data used in this study is secondary data obtained from the Annual Published Financial Statements of each 2015-2020 Islamic Commercial Bank, with a sample of 36 financial reports. The data analysis method used is a panel data regression model and analyzed using the EViews 9 program. The results showed that the variables Capital Adequacy Ratio, Non Performing Financing (NPF), and Net Interest Margin (NIM) had a negative and significant effect on Return on Assets (ROA) at Islamic Commercial Banks in Indonesia in 2015-2020 while the variable Operating Costs per Operating Income (BOPO) has a positive and significant effect on Return on Assets (ROA) at Islamic Commercial Banks in Indonesia in 2015-2020.References
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