Pengaruh FDR dan NPF Terhadap Profitabilitas Bank Umum Syariah di Indonesia (Studi Pada Bank Umum Syariah Yang Terdaftar di Otoritas Jasa Keuangan Periode 2012-2019))

Abstract

This study aims to determine the effect of Financing to Deposit Ratio (FDR) and Non-Performing Financing (NPF) on Profitability (ROA) of Islamic Commercial Banks registered with the Financial Services Authority for the 2012-2019 period. Data analysis using multiple linear regression. The research method used is a descriptive quantitative approach. The sample used is 40 data, namely 5 Islamic Commercial Banks for a period of 10 years. Samples were taken using purposive sampling technique. Methods of data collection using documentation techniques. The results of this study indicate that FDR has no effect on Profitability (ROA). While NPF has an effect on Profitability (ROA). Simultaneously FDR and NPF affect profitability (ROA).