PENGARUH RETURN ON ASSET (ROA), CAPITAL ADEQUACY RATIO (CAR), NON-PERFORMING FINANCING (NPF) DAN BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) TERHADAP PENYALURAN PEMBIAYAAN BANK UMUM SYARIAH DI INDONESIA PERIODE 2015-2019

Abstract

Currently, Islamic Commercial Banks continue to show positive growth. In
2019, the resilience of Islamic Commercial Banks is increasingly solid. This study
aims to determine the effect of ROA, CAR, NPF and BOPO on the distribution of
financing to Indonesian Islamic commercial banks in 2015-2019. This research is
a quantitative research.
The population and sample selected using a non-probability sampling
method and included in the saturated sample, namely the entire sample as many as
14 Islamic commercial banks. The results of data analysis indicate that ROA and
NPF has a positif effect on financing distribution with a significance of 5,2% for
ROA and 43% for NPF. Then CAR had a negative effect on financing distribution
with a significance of 0,02%, while BOPO have a negative effect on financing
distribution with a significance of 86%