ANALISIS PENGARUH CAR, NOM, NPF, FDR, DAN BOPO TERHADAP PROFITABILITAS (STUDI PADA PERBANKAN SYARIAH MASA PANDEMI COVID-19 DESEMBER 2018 – MEI 2021)

Abstract

This study aims to analyze the effect Capital Adequacy Ratio (CAR), Net Operating Margin (NOM), Non Perfoming Financing (NPF) Financing to Deposit Ratio (FDR), and operational costs to operating income simultaneously on the profitability of the Islamic Banking Study during the Covid-19 Period in December 2018 – May 2021. The method used is a Quantitative Method. The analysis used is Descriptive Statistical Analysis, Classical Assumption Test consisting of (Multicolineality Test, Heteroscedastiity Test, Autocorrelation Test), Multiple Linier Regression Model, Hypothesis Testing consisting of (Partial Test or T Test, Simultaneous Test or F Test, and Coefficient of Determination R-Square. In analyzing it using the computer program EViews10. Based on the results of data processing Multiple Linier Regression equations obtained ROA = - 0,8175 C + 1,1200 CAR + 6,5956 NOM + 0,6013 NPF - 0,2524 FDR - 0,2820 BOPO. Parsial Test results show that CAR has a positive and insignificant effect on Profitability (ROA) at Islamic Commercial Banks, NOM has a positive and significant effect on Profitability (ROA) at Islamic Commercial, NPF has a positive and insignificant effect on Profitability (ROA) at Islamic Commercial, FDR has a negative and insignificant effect on Profitability (ROA) at Islamic Commercial, BOPO has a negative and insignificant effect on Profitability (ROA) at Islamic Commercial Bank. Simultaneous Test results show that there is an effect of CAR, NOM, NPF, FDR, and BOPO on the Profitability of Islamic Banking with Probabilities 0,0000 < 0,05. The predictive ability of the five variables on Profitability (ROA) is 82,2% and the remaining 17,7% is influenced by other factors outside the variables used.