Pengaruh Pembiayaan Bagi Hasil, Rasio Kecukupan Modal, Rasio Pembiayaan Atas Dana Pihak Ketiga,Pinjaman yang Mengalami Kesulitan Pembayaran terhadap Profitabilitas Bank Umum Syariah yang Terdaftar di OJK Tahun 2015-2021

Abstract

This research aims to determine the effect of profit sharing financing, capital adequacy ratio, financing to deposit ratio, non profit financing on the ROA profitability of sharia commercial banks registered with the OJK in 2015-2020. This type of research is causal associative with the research population being sharia commercial banks registered with the OJK in 2015-2020, totaling 14 banks. The sample selection was determined using a purposive sampling method so that 7 Islamic commercial banks were obtained that met the criteria and became the research sample. The type of data used is secondary data with data collection using statistical dataset methods. The data analysis technique used is multiple linear analysis. The research findings indicate that partially, Profit-Sharing Financing (PSF) has a significant and positive impact on profitability, while Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and Non-Performing Financing (NPF) do not affect profitability Simultaneously, Profit-Sharing Financing (PSF). Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and Non-Performing Financing (NPF) influence the profitability (ROA) of Sharia commercial banks registered with the Financial Services Authority (OJK) from 2015 to 2021.