Pengaruh Kinerja Keuangan Terhadap Profitabilitas Bank Umum Syariah Devisa

Abstract

The problem of this study is the influence of financial performance simultaneously and partially have a significant influence to profitability of Foreign Exchange Sharia Bank. The aims of this study are to determine the level of significant from the influence of FDR, NPF, APB, PDN, REO, PR, dan FACR simultaneously and partially to ROA. This study describes how the independent variables affect the dependent variable. The sampling technique used was census and the data of this study are secondary data get from publication financial statements of Bank Indonesia, Otoritas Jasa Keuangan, and quarterly financial report of Sharia Bank from the second quarter in 2010 to the second quarter in 2015. In this study, the analysis thechnique used multiple regression analysis using IBM SPSS Statistics 21. The result in this study showed that FDR, NPF, APB, PDN, REO, PR, dan FACR simultaneously have a significant influence to ROA. Partially FDR have a positif not significant influence to ROA. Partially NPF, APB, and PR have a negative not significant influence to ROA. Partially PDN, REO,and FACR have a negative a significant influence to ROA. The most dominant variable among the independent variables is REO. Key words: Foreign Exchange Sharia Bank, Fin ancial Performance, RO