Pengaruh Non Performing Financing (NPF), Kecukupan Likuiditas, Kecukupan Modal dan Inflasi Terhadap Biaya Operasional Terhadap Pendapatan Operasional (BOPO) Pada Bank Umum Syariah Periode 2011-2017

Abstract

This study aims to analyze the effect of Non Performing Financing, Financing to Deposit Ratio, Capital Adequacy Ratio and Inflation on Operational Costs to Operating Income (BOPO) in Islamic Commercial Banks period 2011-2017. The data used in this research is secondary data with a quantitative approach in the form of monthly time series from 2011 to 2017. The method of analysis used in this study is to use the Autoregressive Distributed Lag (ARDL) model with data processing using Eviews 9 software. The results of this study shows that in the long term and short term NPF has a positive and significant effect on BOPO. In the long term and short term FDR has a negative and significant effect on BOPO. In the long term CAR has a negative and significant effect on BOPO while in the short term CAR has a positive and significant effect on BOPO. In the long term and short term inflation has a positive effect on BOPO but in the short term inflation also has a significant negative effect on BOPO. Based on the results of the research it can be concluded that the NPF, FDR, and inflation show a consistent effect, this means that there is a correction from the long term to the short term. Meanwhile CAR has an inconsistent effect.