PENGARUH CAR, BOPO, DAN NIM TERHADAP ROA

Abstract

This study aims to determine the effect of return on assets (ROA) of Islamic commercial banks, capital adequacy ratio (CAR), operating income and operating costs (BOPO) and net interest margin (NIM) during the period 2014-2019. The sample data for this study consisted of 4 Islamic commercial banks, namely: Mandiri Syariah Bank, American-Canadian Islamic Bank, Muamalat Syariah Bank and BNI Syariah Bank. In this study, multiple linear regression as an analytical method was used to test the hypothesis. Based on the results of the simultaneous test, it is known that the level of BOPO, CAR and NIM has a positive and significant effect on ROA of Islamic commercial banks. BOPO has a statistically significant and significant effect on ROA of Islamic commercial banks.. And CAR has a positive effect, but its effect on ROA is not significant, and NIM has an effect on ROA, but is not consistent