PENGARUH BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO), CAPITAL ADEQUACY RATIO (CAR) DAN FINANCING TO DEPOSIT RATIO (FDR) TERHADAP PROFITABILITAS (RETURN ON ASSETS) BANK UMUM SYARIAH PERIODE 2017-2021

NOVITA, WULANDARI (2022) PENGARUH BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO), CAPITAL ADEQUACY RATIO (CAR) DAN FINANCING TO DEPOSIT RATIO (FDR) TERHADAP PROFITABILITAS (RETURN ON ASSETS) BANK UMUM SYARIAH PERIODE 2017-2021. Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Beberapa tahun terakhir, industri perbankan syariah di Indonesia menunjukkan sesuatu yang positif. Hal tersebut dapat dilihat dari pesatnya pertumbuhan perbankan syariah yang melebihi pertumbuhan perbankan konvensional. Penelitian ini bertujuan untuk mengetahui pengaruh Biaya Operasional Pendapatan Operasional (BOPO), Capital Adequacy Ratio (CAR) dan Financing to Deposit Ratio (FDR) secara parsial terhadap terhadap profitabilitas (Return On Assets) Bank Umum Syariah periode 2017-2021 dan untuk mengetahui pengaruh Biaya Operasional Pendapatan Operasional (BOPO), Capital Adequacy Ratio (CAR) dan Financing to Deposit Ratio (FDR) secara simultan terhadap terhadap profitabilitas (Return On Assets) Bank Umum Syariah periode 2017-2021. Penelitian ini menggunakan jenis penelitian kuantitatif dengan pendekatan deskriptif statistik. Populasi penelitian ini ialah 10 Bank Umum Syariah di Indonesia periode 2017-2021. Teknik pengambilan sampel yang digunakan dalam penelitian ini adalah teknik purposive sampling. Data yang diambil dalam SPS perbankan Indonesia dan data tersebut lengkap. Metode analisis data yang digunakan adalah uji asumsi klasiik, estimasi data panel, dan uji hipotesis, pengolahan data dengan menggunakan progrsm E-Views 10. Hasil dari penelitian ini yaitu Berdasarkan hasil uji parsial bahwa variabel Biaya Operasional Pendapatan Operasional (BOPO) berpengaruh signifikan bernilai negatif terhadap Return On Assets (ROA), Capital Adequacy Ratio (CAR) berpengaruh signifikan dan bernilai positif terhadap Return On Assets (ROA) dan Financing to Deposit Ratio (FDR) tidak berpengaruh terhadap Return On Assets (ROA). Hasil uji simultan menunjukkan bahwa variabel Biaya Operasional Pendapatan Operasional (BOPO), Capital Adequacy Ratio (CAR), dan Financing to Deposit Ratio (FDR) berpengaruh signifikan terhadap kinerja keuangan pada Bank Umum Syariah di Indonesia. Kata Kunci : Biaya Operasional Pendapatan Operasional (BOPO), Capital Adequacy Ratio (CAR), dan Financing to Deposit Ratio (FDR) , Return On Assets (ROA) ABSTRACT In recent years, the Islamic banking industry in Indonesia has shown something positive. This can be seen from the rapid growth of Islamic banking which exceeds the growth of conventional banking. This study aims to determine the effect of Operational Costs on Operating Income (BOPO), Capital Adequacy Ratio (CAR) and Financing to Deposit Ratio (FDR) partially on the profitability (Return On Assets) of Islamic Commercial Banks for the period 2017-2021 and to determine the effect of Costs Operational Income (BOPO), Capital Adequacy Ratio (CAR) and Financing to Deposit Ratio (FDR) simultaneously on the profitability (Return On Assets) of Islamic Commercial Banks for the period 2017-2021. This research uses quantitative research with statistical descriptive approach. The population of this study is 10 Islamic Commercial Banks in Indonesia for the period 2017-2021. The sampling technique used in this research is purposive sampling technique. The data is taken in the Indonesian banking SPS and the data is complete. The data analysis method used is the classical assumption test, panel data estimation, and hypothesis testing, data processing using the E-Views 10 program. The results of this study are based on the results of the partial test that the Operating Income (Operating Expenses Operating Income) variable has a significant negative effect on Return On Assets (ROA), Capital Adequacy Ratio (CAR) has a significant and positive effect on Return On Assets (ROA) and Financing to Deposit Ratio (FDR) has no effect on Return On Assets (ROA). Simultaneous test results show that the variables of Operating Income Operating Costs (Operating Expenses Operating Income), Capital Adequacy Ratio (CAR), and Financing to Deposit Ratio (FDR) have a significant effect on the financial performance of Islamic Commercial Banks in Indonesia. Keywords: Operational Cost of Operating Income (Operating Expenses Operating Income), Capital Adequacy Ratio (CAR), and Financing to Deposit Ratio (FDR), Return On Assets

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