| Abstrak (Bhs. Indonesia) | Tujuan dari penelitian ini adalah untuk menganalisis pengaruh Capital Adequacy Ratio, Biaya Operasional Terhadap Pendapatan Operasional, Financing to Deposit Ratio , dan dana Pihak Ketiga terhadap Return on Asset, dan juga untuk menganalisis variabel mana yang paling berpengaruh terhadap return on Asset. Metode penelitian menggunakan studi empiris dengan teknik data analisis regresi berganda dan analisis elastisitas. Untuk menguji hipotesis pertama sampai ke empat menggunakan analisis regresi berganda dengan uji t dimana nilai t hitung CAR, FDR dan PDPK lebih besar dari t tabel sedangkan nilai t hitung BOPO lebih kecil daripada t tabel. Hal ini menunjukan hipotesis 1-4 diterima. Pengujian hipotesis 5 menggunakan uji elastisitas dimana diperoleh nilai elastisitan PDPK lebih besar daripada nilai elastisitas CAR, BOPO dan FDR sehingga hipotesis ke lima diterima. Berdasarkan hasil analisis disimpulkan CAR, FDR dan PDPK mempunyai pengaruh positif dan signifikan terhadap ROA, sedangkan BOPO mempunyai pengaruh negatif dan signifikan terhadap ROA, dan PDPK mempunyai pengaruh paling besar terhadap ROA pada Bank Umum Syariah di Indonesia. |
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| Abtrak (Bhs. Inggris) | The aims of research are to find out and to analyze the effect of Capital Adequacy Ratio, Operational Efficiency Ratio, Financing to Deposit Ratio as well as Proportion of Third Party Funds on Return On Asset, and so to find out and to analyze the variable that have the greater effect on Return On Asset. The method of research is empirical study with technique data analysis are multiple linear regression and elasticity of regression coefficient analysis. To test the first, second, third and fourth hypotheses, it has used the result of multiple regression analysis, which has got the t statistic value of Capital Adequacy Ratio, Financing to Deposit Ratio and Proportion of Third Party Funds each is greater than the value of t table, however the t statistic value of Operational Efficiency Ratio variable is less than the value of -t-table, therefore the first, second, third and fourth hypothesis is accepted. So, to test the fifth hypothesis it has used the elasticity analysis of regression coefficient result, which has got the elasticity coefficient value of Proportion of Third Party Funds variable is greater than the elasticity coefficient value of Capital Adequacy Ratio, Operational Efficiency Ratio and Financing to Deposit Ratio variable, therefore the fifth hypothesis is accepted. Based on the result of data analysis, it can be concluded that Capital Adequacy Ratio, Financing to Deposit Ratio as well as Proportion of Third Party Funds has positive and significant effect on profitability (ROA), Operational Efficiency Ratio has negative and significant effect on profitability (ROA), and Proportion of Third Party Funds has the greater effect on profitability (ROA) at Islamic Commercial Bank in Indonesia. |
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