PENGARUH CAR, NPF, FDR, NPM DAN PEMBIAYAAN MUDHARABAH TERHADAP PROFITABILITAS BANK UMUM SYARIAH (Studi kasus pada Bank Umum Syariah yang terdaftar di Indonesia periode 2015-2019)

Ega Mayang Usmayanti

Abstract


This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Non
Performing Financing (NPF), Financing to Deposit Ratio (FDR), Net Profit
Margin (NPM) and Mudharabah Financing on Profitability at Indonesian Islamic
Commercial Banks as proxied by Return On Assets. (ROA). This research is a
quantitative research. The population of the data is Sharia Commercial Banks
registered in Indonesia for the 2015-2019 period. Sampling using purposive
sampling method and obtained 65 samples. This study uses secondary data from
financial statements. Data analysis using Multiple Linear Regression Analysis
method. Based on the tests that have been carried out, it can be said that the
Capital Adequacy Ratio (CAR) has a positive and insignificant effect on
Profitability, Non-Performing Financing (NPF) has a significant negative effect
on Profitability, Financing to Deposit Ratio (FDR) has an insignificant positive
effect on Profitability, Net Profit Margin (NPM) has no significant positive effect
on Profitability, and Mudharabah Financing has no significant negative effect on
Profitability


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