PENGARUH INFLASI, BI RATE, CAPITAL ADEQUACY RATIO (CAR), NON PERFORMING FINANCE (NPF), BIAYA OPERASIONAL DANPENDAPATAN OPERASIONAL (BOPO) TERHADAP PROFITABILITAS BANK UMUM SYARIAHPERIODE 2008-2012

Abstract

Abstract: This study was conducted to examine the effect of inflation, BI rate, CAR (capital adequacy ratio), NPF (non performing finance) and BOPO (operating expenses and operating income) to ROA(return on assets). Sample selection uses saturated samples method. The data analysis technique used is multiple linear regression and hypothesis testing using t-statistics to test the partial regression coefficients and F-statistics to test the significance of the effect together with a significance level of 5%. The results of this study indicate that simultaneously the inflation variables, BI rate, CAR (capital adequacy ratio), NPF (non performing finance) and BOPO (operating expenses and operating income) to ROA(return on assets).

Keywords: Return on assets, inflation, BI rate, capital adequacy ratio,non performing finance,operating expenses and operatingincome.