PENGARUH KECUKUPAN MODAL (CAR), RISIKO PEMBIAYAAN (NPF), LIKUIDITAS (FDR) DAN EFISIENSI OPERASIONAL (BOPO) TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA

This study aimed to analyze the effect of capital adequacy as measured by capital adequacy ratio, financial risk non-performing financing, liquidity as measured by financing to deposit ratio, and operational efficiency as measured by the ratio of operating costs and operating income to profitability as measured by return on asset ratio at sharia commercial banks registered in the Financial Services Authority in period of 2015-2019. 10 sharia banks fulfilling the requirements were selected as the research sample using purposive random sampling. This study used secondary data obtained from the first – fourth quarter financial report in the 5 years-period so that as many as 200 sample data were obtained. Panel data regression using EViews 10 was used as analysis tool of the research. The analysis results show that capital adequacy has positive and significant effect on profitability, financial risk has negative and insignificant effect on profitability, liquidity has negative and insignificant effect on profitability, operational efficiency has negative and significant effect on profitability. The results show the profitability of sharia commercial banks can be explained by capital adequacy, financial risk, liquidity, operational efficiency amounted of 93.03%, while 6.97% is explained by other factors.