ANALISIS RISIKO TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA

NENY HIDAYATI, NIM. 14830012 (2018) ANALISIS RISIKO TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

This research identifies the impact of risk on the profitability of sharia banking in Indonesia. Banking is one of the sectors with the highest risk. Higher the risk higher the rate of return. Profitability is the profit that can be generated by banking sharia. The purpose of this study to explain whether financing risk, liquidity risk, and rate of return risk in sharia banking can affect profitability. Profitability measured using Return on Asset (ROA), if influential, how much influence. Financing risk is proxied with Non Perfoming Financing (NPF), liquidity risk is proxied with Financing to Deposit Ratio (FDR), and rate of return risk is proxied with standard deviation of profit sharing. This research use panel data consisting of 40 observations (8 banks in period from 2012-2016). From the panel data regresion analysis can be concluded that NPF have negatif significant impact on ROA, FDR have positif significant impact on ROA, and standard deviation of profit sharing have no impact on ROA.

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