Analisis Faktor-Faktor yang mempengaruhi Kinerja Keuangan Bank Umum Syariah yang terdaftar di Bursa Efek Indonesia (BEI) (Periode 2014-2016)

Abstract

Abstrak. Penelitian ini diharapkan berpengaruh terhadap Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), Biaya Operasional Pendapatan Operasional (BOPO) terhadap Return on Asset (ROA) sebagai proksi Kinerja Keuangan perbankan syariah di Indonesia periode 2014- 2016. Populasi dalam penelitian ini adalah 11 bank syariah di Indonesia yang terdaftar di Bursa Efek Indonesia untuk periode tahun 2014-2016, dan sampel diperoleh sebanyak 33 bentuk 11 bank dan 3 periode keuangan repo 2014-2016 dengan purposive sampling. Metode Analisis data menggunakan regresi linier berganda dengan Software SPSS versi 16.0 Hasil dari penelitian ini menunjukkan bahwa variabel FDR dan CAR tidak berpengaruh signifikan terhadap ROA, sedangkan variabel BOPO memiliki pengaruh signifikan terhadap ROA. Kemampuan prediktif dari ketiga variabel pada ROA sebesar 72,3%, sedangkan sisanya dipengaruhi oleh faktor lain yang tidak termasuk dalam model riset.Kata kunci: Financial Performance, Return on Assets, Financing to Deposit Ratio, Capital Adequacy Ratio, BOPO Abstract. This research is supposed the effect Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), (BOPO) Operating Expenses to Operating Income to Return on Asset (ROA) as a proxy of the Financial Performance of Islamic banking in Indonesia period 2014- 2016. The population in this study was 11 Islamic Bank in Indonesia in asset listed on Bursa Efek Indonesia for the period years 2014-2016, and the sample is got as 33 forms 11 banking and 3 periods financial report of 2014-2016 by purposive sampling method. The data analyses employed the use of multiple linear regression with Software SPSS version 16.0. The result from this study indicates that variable Financing to Deposit Ratio and Capital Adequacy Ratio has not significant influences on ROA, while BOPO variable has significant influences on ROA. Predictive ability of the three variables on the ROA of 72,3%, while the rest is influenced by other factors not included in the research model.Keywords: Financial Performance, Return on Assets, Financing to Deposit Ratio, Capital Adequacy Ratio, BOPO

The Effect of Capital Adequacy Ratio, Financing to Deposit Ratio, Non Performing Financing, Operating Expenses, Operating Income and Good Corporate Governance towards the Profitability of Islamic Banking Listed in Bank of Indonesia

“…The higher the ratio, the worse the credit quality of banks due to the greater number of bad credit, so that the possibility of bank being in problematic condition is higher and it affects the decline in revenue due to an increase in the cost of productive reserves (Almilia & Herdinigtyas, 2005; Pratiwi, 2012) Therefore, it can be concluded that the ratio of Non Performing Financing (NPF) negatively affects return on assets (ROA). These results are consistent with research conducted by (Adyani, 2011;Fahmy, 2014;Nugroho, 2006;Prastiyaningtyas, 2010;Pratiwi, 2012;Siti Nurkhosidah, 2009;Sulistianingrum, 2013).…”

“…The positive effect of Capital Adequacy Ratio (CAR) on Return On Assets (ROA) due to the increase of profitability followed by a decline in the need of reserves establishment in order to anticipate the consequences of increasing risk in line with the optimization of assets productivity, so that the capital adequacy of Islamic Banks as proxy for Capital Adequacy ratio (CAR) increases. The results of the study are consistent with research conducted by (Adyani, 2011;Fahmy, 2014;Prastiyaningtyas, 2010;Rahmi & Anggraini, 2013;Wibowo & Syaichu, 2013;Zulifiah & Susilowibowo, 2014).…”

“…Capital Adequacy Ratio (CAR) is a ratio showing how much of the total assets of a bank that contains an element of risk (credit, investments, securities, bills to other banks) that are financed from its own capital in addition to obtaining funds from sources outside the bank (Yuliani, 2007)). Meanwhile, according to Mudrajad and Suhardjono (2002) in (Adyani, 2011), Capital Adequacy Ratio (CAR) indicates the bank ability to maintain sufficient capital and the management ability to identify, measure, monitor and control risks that can affect the amount of capital. Under the provisions of Bank for International Settlements, healthy banks are required to have Capital Adequacy Ratio (CAR) of at least 8% capital against assets, if less than the provisions, it will be sanctioned by the central bank (Janah & Siregar, 2018).…”

Pengaruh Budaya Kerja Dan Pembagian Kerja Terhadap Kinerja Aparat Di Kantor Desa Kelaten Kecamatan Penengahan Kabupaten Lampung Selatan

“…faktor-faktor kinerja juga dipengaruhi oleh motivasi, kepuasan kerja, tingkat stress, kondisi fisik pekerjaan, system kompensasi, desain pekerjaan, komitmen terhadap organisasi dan aspek-aspek ekonomis, serta teknis keprilakuan lainnya (Hamdani et al, 2018).…”

Effect of Service Quality, Received Value, and Company Image on Customer Satisfaction Savings in PT. Bank Aceh Center Banda Aceh

“…The banking sector in the life of a country is an agent of development [1,2], because the bank is a financial institution that has a function as a financial intermediary institution [3,4], namely as an institution that collects funds from the public in the form of savings and flows back to the public. in the form of credit or financing [5,6,7].…”