ABSTRAK

Karina1610412320021,2021,PengaruhCapitalAdequacy Ratio(CAR), Non Performing Financing (NPF), dan Financing To Deposit Ratio(FDR) Terhadap Return On Assets (ROA) (Studi Pada Bank Umum Syariah BUMN di Indonesia Periode2012-2019). Dibimbing olehSitiRusidah dan NoorHidayati.

Tujuan penelitian ini untuk mengetahui dan menguji pengaruh secaraparsialdansimultanCapitalAdequacy Ratio(CAR),NonPerformingFinancing (NPF), dan Financing To Deposit Ratio(FDR) Terhadap ReturnOn Assets (ROA) pada Bank umum Syariah yang Terdaftar di Bursa EfekIndonesiaPeriode 2012-2019.

Penelitian ini merupakan penelitian dengan metode kuantitatif dengantipe penelitian asosiatif kausal. Populasi dalam penelitian ini adalahBankumum Syariah yang terdaftar di Bursa Efek Indonesiaperiode 2012-2019 danmempublikasikanLaporanTahunan(AnnualReport)padamasing-masingwebsiteBankSyariahBUMN.Sampelyangdigunakanyaitulaporankeuangan Bank Umum Syariah periode 2012-2019 dengan teknik samplingyang digunakan adalah Purposive Sampling. Jenis data yang digunakan dalampenelitianiniyaitu data sekunder berupa laporankeuanganyangdiperolehdari laporan data keuangan tahunan untuk perusahaan Bank Umum Syariahperiode 2012-2019. Teknik analisis data dalam penelitian ini menggunakanAnalisisRegresi Berganda.

HasilpenelitiandiketahuibahwaCapitalAdequacyRatio(CAR)secara parsial berpengaruh tidak signifikan terhadap Return On Assets (ROA)dengan pengaruh sebesar -0,7%, Non Performing Financing(NPF) secaraparsial berpengaruhsignifikan terhadap Return On Assets (ROA) denganpengaruh sebesar 48,2%, Financing To Deposit Ratio (FDR) secara parsialberpengaruhtidaksignifikanterhadapReturnOnAssets(ROA)denganpengaruh sebesar 4,5%, dan Capital Adequacy Ratio (CAR), Non PerformingFinancing (NPF), dan Financing To Deposit Ratio (FDR) secara simultanberpengaruh signifikan terhadap Return On Assets (ROA) dengan pengaruhsebesar52%.

Darihasilpenelitiandapatdisimpulkanbahwa,H1ditolak,H2diterima,H3ditolak, dan H4diterima.

KataKunci:CapitalAdequacyRatio(CAR),NonPerformingFinancing

(NPF),FinancingToDepositRatio(FDR),danReturnOnAssets (ROA)

ABSTRACT

Karina1610412320021,2021,TheInfluenceofCapitalAdequacyRatio (CAR), Non Performing Financing (NPF), and Financing To DepositRatio (FDR) on Return On Assets (ROA) (Study on State-Owned Sharia Commercial Banks in Indonesia for the 2012-2019 Period). Supervised by Siti Rusidah andNoorHidayati.

The purpose of this study was to determine and test the effect partiallyandsimultaneouslyCapitalAdequacyRatio(CAR),NonPerformingFinancing(NPF),andFinancingToDepositRatio(FDR)onReturnOnAssets (ROA) on Islamic commercial banks listed on the Stock Exchange.Indonesia2012-2019 Period.

This research is a research with quantitative methods with a causalassociativeresearchtype.ThepopulationinthisstudyareIslamiccommercial banks that are listed on the Indonesia Stock Exchange for theperiod 2012-2019 and publish Annual Reports on the respective websites ofBUMN Sharia Banks. The sample used is the financial statements of IslamicCommercialBanks forthe period2012-2019with the sampling techniqueused is purposive sampling. The type of data used in this study is secondarydata in the form of financial reports obtained from annual financial datareports for Islamic Commercial Bank companies for the period 2012-2019.Thedataanalysis techniquein this studyused MultipleRegressionAnalysis.

The results showed that the partial Capital Adequacy Ratio (CAR) hasno significant effect on Return On Assets (ROA) with an effect of-0.7%,partially Non Performing Financing (NPF) has a significant effect on ReturnOnAssets(ROA)withtheeffectofamountingto48.2%,partiallytheFinancing To Deposit Ratio (FDR) has no significant effect on Return OnAssets (ROA) with an effect of 4.5%, and Capital Adequacy Ratio (CAR), NonPerformingFinancing(NPF),andFinancingToDepositRatio(FDR)simultaneously has a significant effect on Return On Assets (ROA) with aneffectof 52%.

From the research results it can be concluded that, H1 is rejected, H2isaccepted, H3 is rejected, and H4 is accepted.

Keywords: Capital Adequacy Ratio (CAR), Non Performing Financing (NPF),FinancingTo Deposit Ratio (FDR),and Return On Assets (ROA)