PANGESTUTI, Irene Rini Demi (2016) ANALISIS PENGARUH VARIABEL SPESIFIK BANK TERHADAP PROFITABILITAS PERBANKAN SYARIAH DI INDONESIA (Studi pada Bank Umum Syariah dan Unit Usaha Syariah di Indonesia Periode 2010-2013). DIPONEGORO JOURNAL OF MANAGEMENT, 5 (1). pp. 1-14. ISSN ISSN (Online): 2337-3792

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Abstract

Competition among Islamic banks increasingly stringent directly or indirectly affect the
achievement of the profitability of Islamic banks. In addition, the ability to generate profits become
an important indicator to measure the ability of Islamic banks to compete in the long term. This
study aims to obtain empirical evidence about the effect of the Capital Adequacy Ratio (CAR), Non
Performing Financing (NPF), Operational Efficiency Ratio (OER), Financing to Deposits Ratio
(FDR), Net Operating Margin (NOM) and Size to the Return On Assets (ROA) and to determine the
variable that give the dominant influence on the profitability of Islamic banks.
The populations used in this study were all Islamic Banks operating in Indonesia. The
sample used in this study consists of 8 islamic commercial banks and 3 sharia business units in the
Indonesian period 2010-2013. The data analyses employed the use of multiple linear regression
which is previously performed classical assumption, such as normality test, multicollinearity test,
autocorrelation test, and heteroskedastisitas test. Hypothesis testing by using the F test and T test.
The results from this study indicates that CAR, REO and FDR has significant negative
influences on ROA. NOM significant positive effect on ROA and NPF did not significant positive
effect on ROA. Meanwhile, Size did not significant negative effect on ROA and the use of a dummy
variable type did not significant negative effect on ROA. The amount of determination degree
test (Adjusted R Square ) is equal to 0,714. This means the independent variables such as CAR,
NPF, REO, FDR, NOM and Size have the impact on ROA of 71.4% . Meanwhile , the remaining
28.6% is explained by other variables outside the model of this study .

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