ANALISIS PENGARUH FDR DAN NPF TERHADAP PROFITABILITAS BANK SYARIAH DI INDONESIA

Abstract

ABSTRAC Sharia banking is a fast growing segment of the global financial industry. Islamic finance has a high potential to contribute to the economy through two main aspects, namely increasing growth and improving the economy, and financial stability. The profitability of Islamic banking is one of the important performance indicators to consider in a sustainable banking operation. The profitability of Islamic banking is obtained from the financing offered so that the greater the financing offered, the opportunity to increase profitability is higher. NPF and FDR are used in this study as variables that affect profitability by means of multiple linear regression. The data used in this study are secondary data in the form of a time series per month starting from 2014-2019. The results of this study state that NPF and FDR have a significant effect both simultaneously and partially on profitability.