Pengaruh BOPO, CAR, SBIS Dan Kurs Terhadap Profitabilitas Pada Bank Umum Syariah Di Indonesia

Sari

Abstract— This study aims to determine the effect of Operational Costs on Operating Income (BOPO), Capital Adequacy Ratio (CAR), Sharia Bank Indonesia Certificates (SBIS) and Exchange Rates on Return on Assets (ROA) in Islamic Commercial Banks in Indonesia Data used in this study is monthly data published by Bank Indonesia (BI) and Sharia Banking Statistics data published by the Financial Services Authority (OJK) for the period 2015 to 2018. The data analysis method used in this study is multiple linear regression analysis. The results of this study indicate that simultaneously (Test F) variables BOPO, CAR, SBIS and Exchange Rate have a significant effect on ROA. Furthermore, partially (t test) variable BOPO and Exchange have a negative and significant effect on ROA. CAR has a positive and significant effect on ROA. Then the SBIS variable has a positive but not significant effect on ROA. The results of determination coefficient in this study are 0.735 or 73.5%, which means that the dependent variable, ROA is influenced by independent variables, namely BOPO, CAR, SBIS and Exchange Rate is 0.735 or 73.5%, and the remaining 0.265 or 26.5% dependent variable influenced by other independent variables outside of this study.

Keywords— Return on Assets (ROA), Operational costs on Operating Income (BOPO), Capital Adequacy Ratio (CAR), Indonesian Sharia Bank Certificate (SBIS) and Exchange Rates