Pengaruh Net Operating Margin, Financing to Deposit Ratio, Third Party Fund, Non Performing Financing, Mudharabah, dan Murabahah terhadap Profitabilitas Bank Umum Syariah di Indonesia Periode 2016-2020

Abstract

The purpose of this research is to analyze the effect of net operating margin, financing to deposit ratio, third party fund, non performing financing, mudharabah, murabahah toward profitability of Islamic commercial banks listed on the Otoritas Jasa Keuangan. The population in this research are all of the Islamic commercial banks listed on the Otoritas Jasa Keuangan in 2016-2020. The sample of the research is 8 commercial banks. The sampling method of the research used purposive sampling method. The method of data analysis was using descriptive statistical analysis methods, classical assumption analysis, multiple linear regression analysis and hypothesis tests. The results showed that the variable net operating margin, third party fund, and non performing financing have a significant effect toward profitability. Meanwhile, financing to deposit ratio, mudharabah and murabahah don’t have effect toward profitability.