ANALYSIS OF EFFECT OF CAR, NPF, FDR, AND BOPO ON ROA (Study at Shariah Commercial Bank in Indonesia Period 2012-2016)

Abstract

This study aims to examine the effect of Capital Adequacy Ratio (CAR), Non Performing Financing (NPF),
Financing to Deposit Ratio (FDR) and Operating Cost to Operating Income (BOPO) to Return On Assets (ROA) as a
proxy of profitability of Shariah Commercial Bank in Indonesia period 2012-2016.
The result of research is positive to CAR positive not significant to ROA with significant value 0,175> 0,05 while
FDR have positive significant not significant to ROA with significant value 0,672> 0,05, while NPF have negative and
not significant to ROA with significant value 0,463> 0,05, while BOPO have positive and significant effect to ROA with
significant value 0,000 <0,05. Simultaneously through CAR, NPF, FDR and BOPO variables simultaneously affect the
ROA. The result of determinant coefficient test (R2) shows Adjusted R-Square value of 0.487. This shows that 48.7% of
each ROA change can be explained by CAR, NPF, FDR and BOPO variables, while the remaining 51.3% is influenced
by other factors not described in this study.
Keywords: Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR),
Operational Cost to Operating Income (ROA), Return On Assets (ROA).