PENGARUH CAR, NPF, FDR, BOPO, DAN GWM TERHADAP LABA PERUSAHAAN (ROA) PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2010-2015

Abstract

This study aimed to analyze the influence of Capital Adequacy Ratio
(CAR), Non Performing Fund (NPF), to Deposit Ratio (FDR), Operating
Expenses per Operating Income (BOPO) and Statutory Reserves (GWM) on
Return On Asset (ROA) the islamic banks registered in Bank Indonesia during
2010-2015.
This study using purposive sampling method for sampling. Data obtained
by the publication of the Annual Report, the number of samples obtained 10
Islamic Banks. The sample used in this study is an Islamic commercial bank that
consistently registered in Bank Indonesia for the period 2010-2015. The analysis
technique used is multiple linear regression analysis.
The results of this study to test the hypothesis partially (test t) in sharia
banks shows that Non Performing Fund (NPF), Financing to Deposit Ratio
(FDR), and Statutory Reserves (GWM) significantly affects the Return On Asset
(ROA). Capital Adequacy Ratio (CAR) and Operating Expenses per Operating
Income (BOPO) had no significant effect on Return on Assets (ROA). The value of
adjusted R2 in the regression model Islamic banks obtained at 0.331. This shows
that the influence of the independent variables ie Capital Adequacy Ratio (CAR),
Non Performing Fund (NPF), Financing to Deposit Ratio (FDR), Operating
Expenses per Operating Income (BOPO) and Statutory Reserves (GWM) to
dependent variable ( ROA) of 33.1% while the remaining 66.9% is influenced by
other factors.
Keywords: Capital Adequacy Ratio (CAR), Non Performing Fund (NPF),
Financing to Deposit Ratio (FDR), Operating Expenses per
Operating Income (BOPO