KINERJA KEUANGAN BANK UMUM SYARIAH DI INDONESIA PERIODE 2016-2019
Abstract
Big or small the level of profits obtained by the company or profitability is a ratio in
measuring the effectiveness of management as a whole. High level of profitability
means that the condition of a company is good or healthy. Based on previous research
that there are factors that can affect the ups and downs of profitability, namely the
problematic financing factors (Non Performing Financing) and capital adequacy
(Capital AdequacyRatio).The population of this study is all Islamic banks that are included in the category of
Islamic Commercial Banks registered with the Financial Services Authority with a total
population of 14 banks. The sampling technique used is saturated sampling with a total
sample of 182 data.
The data analysis technique in this research is multiple regression models, the results
of Non Performing Financing have a negative and significant effect on Return On
Assets and Capital Adequacy Ratio has no effect on Return On Assets.
Keywords: Return On Assets (ROA), Non Performing Financing (NPF), and
Capital Adequacy Ratio (CAR).
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