PENGARUH BI RATE, NON PERFOMING FINANCE (NPF), CAPITAL ADEQUACY RATIO (CAR) DAN BIAYA OPERASIONAL DAN PENDAPATAN OPERASIONAL (BOPO) TERHADAP PROFITABILITAS PADA BANK SYARIAH DI INDONESIA TAHUN 2017-2020

Sulastri, Sulastri (2022) PENGARUH BI RATE, NON PERFOMING FINANCE (NPF), CAPITAL ADEQUACY RATIO (CAR) DAN BIAYA OPERASIONAL DAN PENDAPATAN OPERASIONAL (BOPO) TERHADAP PROFITABILITAS PADA BANK SYARIAH DI INDONESIA TAHUN 2017-2020. Sarjana thesis, Univesitas Putra Indonesia YPTK.

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Abstract

ABSTRACK The research in this thesis is motivated by the phenomenon of the increasing number of opinions of the Indonesian Ulema Council fatwa which states that bank interest is haram and the occurrence of bad loans in a bank as well as insufficient capital and increased operational costs which greatly affect the profitability of an Indonesian Islamic bank. profitability is a very important factor , because it can sustain the life of a bank . Without profit it is difficult for a bank to develop. This study aims to determine the effect of Bi Rate, Non-Performing Finance (Npf), Capital Adequacy Ratio (Car) and Operational Costs and Operating Income (Bopo) on Profitability in Islamic Banks in Indonesia. The sample in this study were 14 Islamic bank companies that have complete financial statements for 2017-2020. Data collection is sourced or derived from the financial services authority (OJK). The method of determining the sample in this study used the purposive sampling method so that a total sample of 14 companies was obtained. The analysis uses descriptive statistics and panel data regression models and for data processing is assisted by Eviews. The results of the study indicate that there is a positive and significant effect of bi rate on profitability. No influence and no significant non-performing finance (NPF) on profitability. There is a positive and significant effect of capital adequacy ratio (car) on profitability. There is no and no significant effect of operating costs and operating income on profitability. There is a positive and significant effect of bi rate, non-performing finance (npf), capital adequacy ratio (car) and operational costs and operating income simultaneously on profitability. Keywords: profitability, bi rate, non-performing finance (npf), capital adequacy ratio (car) and operational costs and operating income (bopo)

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