Pengaruh Internet Banking, Pembiayaan Mudharabah, Financing to Deposit Ratio (FDR) dan Non Performing Financing (NPF) terhadap Profitabilitas Bank Umum Syariah di Indonesia yang Terdaftar di Ojk (Periode 2015-2017)

Abstract

Abstract. This research is meant to find out the effect of internet banking, mudharabah financing, financing to deposit ratio (FDR), non performing financing (NPF) to the profitability (ROA) of Sharia Commercial Bank in Indonesia period 2015-2017 by analyzing the financial statements of each Sharia Commercial Bank in Indonesia. The research method used is quantitative research method. The sampling technique used purposive sampling where the population sampled in this study is all of Sharia Commercial Banks in Indonesia as many as 13 banks registered in OJK period 2015-2017 with consideration of certain criteria and obtained sample in this research as much as 132 quarterly report from 11 banks passed the criteria. The results of this study indicate that there is influence of internet banking, mudharabah and non performing financing (NPF) variables, while financing to deposit ratio variables do not affect the Return on Asset of Sharia Commercial Bank in Indonesia.

Keywords : Internet Banking, Mudharabah Financing, Financing To Deposit Ratio, Non Performing Finance, Return on Asset

 

Abstrak. Penelitian ini bertujuan untuk mengetahui pengaruh penerapan internet banking, Pembiayaan mudharabah, Financing to deposit ratio (FDR) dan Non performing financing (NPF) terhadap Profitabilitas Bank Umum Syariah di Indonesia periode tahun 2015-2017 dengan menganalisa laporan keuangan masing-masing Bank Umum Syariah di Indonesia. Metode penelitian yang digunakan adalah metode penelitian kuantitatif. Teknik pengambilan sampel menggunakan purposive sampling yang mana populasi yang dijadikan sampel dalam penelitian ini adalah seluruh Bank Umum Syariah di Indonesia sebanyak 13 bank yang terdaftar di OJK periode 2015-2017 dengan pertimbangan kriteria-kriteria tertentu dan diperoleh sampel dalam penelitian ini sebanyak 132 laporan triwulan dari 11 bank yang lolos dalam kriteria. Hasil penelitian ini menunjukkan bahwa terdapat pengaruh dari variabel internet banking, pembiayaan mudharabah dan non performing financing (NPF) sedangkan variabel financing to deposit ratio tidak terdapat pengaruh terhadap Return on Asset Bank Umum Syariah di Indonesia.

Kata Kunci : Internet Banking, Pembiayaan Mudharabah, Financing To Deposit Ratio, Non Performing Finance, Return on Asset