PENGARUH CAPITAL ADEQUACY RATIO (CAR), FINANCING TO DEPOSIT RATIO (FDR), NON PERFORMING FINANCING RATIO (NPF) TERHADAP RETURN OF ASSETS (ROA) PADA PERBANKAN SYARIAH DI INDONESIA

Abstract

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and Non Performing Financing (NPF) on Return Of Assets (ROA) in Islamic Banking in Indonesia. The type of this research is quantitative. This study uses a purposive sampling technique using the 2014-2018 financial statement. The data used is secondary data which is processed using SPSS 21 software. The analytical methods used are Normality Test, Classical Assumption Test, and Hypothesis Test. The result showed that: (1) Capital Adequacy Ratio (CAR) has no significant effect on  Return Of Assets (ROA) with a value of t = 1.324 and sig = 0.197 > 0.05. (2) Financing to Deposit Ratio (FDR) has no significant effect on Return Of Assets (ROA) with a value of t = -1.568 and sig = 0.129 > 0.05. (3) Non Performing Financing (NPF) has a significant negative effect on Return Of Assets (ROA) with a value of t = -3.842 and sig = 0.01 < 0.051.

Keyword : Islamic Banking, Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Return Of Assets (ROA).