JRAA Vol.2 No.3, November 2015 PENGARUH PEMBIAYAAN, KUALITAS ASET, DAN EFISIENSI OPERASIONAL TERHADAP PROFITABILITAS

PENGARUH PEMBIAYAAN, KUALITAS ASET, DAN EFISIENSI OPERASIONAL TERHADAP PROFITABILITAS

Abstract

This research is aimed to determine the impact of financing, which consist of profit sharing financing and trade financing, asset quality, as well as operational efficiency on the profitability of sharia banking in Indonesia. The profitability level of sharia banking is measured with return on asset (ROA). This is because the Bank of Indonesia, as the banking advisor and banking supervisor, prefers the profitability value of a bank, which measured by asset funded largely from public deposit. The population of this research is sharia banking in Indonesia. The collection of sample is conducted by using purposive sampling method and the processed data is quarterly publication report year 2011-2014. The type of the data in this research is panel data because it is a combination from time series data and cross section. Therefore, the analytical technique used in this research is regression analytical data panel. Regression result of fixed effect model indicates that simultaneous independent variable affects dependent variable. Partial testing on profit sharing financing and operational efficiency also affect profitability, whereas trade financing and asset quality do not affect profitability. The Adjusted R-square value indicates the number 0,874, it means that model capability to explain dependent variable is 87,04%, whereas the rest 12,96% is affected by other variable outside the model of this research.