PENGARUH FDR, PEMBIAYAAN JUAL BELI, PEMBIAYAAN BAGI HASIL, PEMBIAYAAN SEWA MENYEWA, DAN NPF TERHADAP PROFITABILITAS (Studi pada Bank Umum Syariah di Indonesia Periode Tahun 2009-2013)

Abstract

The research was held to test the influence of Financing to Deposit Ratio (FDR), Trade Financing, Profit Loss Sharing Financing,Lease Financing, and Non Performing Financing (NPF) to profitability calculated by Return On Asset (ROA) in Islamic Banks in Indonesia during 2009-2013 periods. This research uses time series data from The Islamic Banks Quarterly Published Financial Reports during 2009-2013 periods. The population used in this research are 11 Islamic Banks in Indonesia. Sampling technique used is purposive sampling with criteria as Islamic Banking in Indonesia who provide financial report during 2009-2013 periods. There are 2 samples of Islamic Banks that meet the criteria – Bank Muamalat Indonesia and Bank Syariah Mandiri. The analysis technique used in this research is multiple regression analysis to obtain a comprehensive picture of the relationship between variables. While, the classical assumption test used this research include multicollinearity test, autocorrelation test, heteroscedasticity test, and normality test. The result of this research show that Financing to Deposit Ratio (FDR) and Non Performing Financng (NPF) not significant effect on profitability (ROA). Trade financing, profit loss sharing financing and lease financing have a positive and significant influence on profitability (ROA). Predictive ability of the five independent variables on the profitability (ROA) amounted to 73,8%, while the rest in influenced by odher factor outside of the research model