EFFECT OFFINANCING TO DEPOSIT RATIO(FDR), MURABAHAH,MUSYARAKAH,AND NON PERFORMING FINANCING(NPF) TO PROFITABILITY (ROA) ONISLAMIC BANKS IN INDONESIA

Marlina Widiyanti,Maya Yuliani, Taufik (2016) Effect Offinancing To Deposit Ratio(fdr), Murabahah,musyarakah,and Non Performing Financing(npf) To Profitability (roa) Onislamic Banks In Indonesia

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ABSTRACT

This research objective is to know the influence of Financing - to - Deposit Ratio (FDR), Murabahah, Musyarakah and Non Performing Financing (NPF) to Profitability of Islamic Bank in Indonesia. Population used in this research there are 12 Islamic Banks roomates operated in Indonesia during period 2011 - 2014. The sampling method used is purposive sampling. Off 12 Islamic Banks, Isla mic Banks 4 were selected as a sample. Data Analysis Technique used was Multiple Linear Regression. This correlation partial results Showed that financing - to - deposit ratio (FDR) and Murabahahh had a positive effect on profitability (ROA), while Musyarakah and Non Performing Financing (NPF) had a negative effect on profitability (ROA). Research results from simultaneously Showed that FDR, Murabahah, Musyarakah and NPF had significant and positive effects to ROA. The implication of this research is the Muraba hah Financing managers can implement in order to improve the profitability of the Islamic bank. For futher research, it is suggested to add other independent variables such as Mudharabah, Capital Adequacy Ratio, inflation and Wadiah Certificate of BI.

Keywords : Return On Assets (ROA), Financing to Deposit Ratio (FDR), Murabahah, Musyarakah, Non Performing Financing (NPF)