PENGARUH RISIKO USAHA TERHADAP RETURN ON ASSET (ROA) PADA BANK UMUM SYARIAH DI INDONESIA

NOVIANTO, BAIQ HERMAWAN (2013) PENGARUH RISIKO USAHA TERHADAP RETURN ON ASSET (ROA) PADA BANK UMUM SYARIAH DI INDONESIA. Undergraduate thesis, STIE PERBANAS SURABAYA.

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Abstract

The purpose of the bank is a high gain so that profits can be used to finance operations and future expansions. To measure the ability of the banks to make a profit can use ROA ratio. The factors that affect the ROA is a risk. Risk is the degree of uncertainty about an outcome that is expected or anticipated to be received. Risk consists of liquidity risk, credit risk, market risk, and operational risk. This research aims to determine whether the FDR, NPF, IRR, PDN, and REO, have significant influence simultaneously and partially to ROA. The data collection method that being used in this research is secondary data that taken from financial report of The Shariah Banks, started from the first quarter of 2008 until the fourth quarter of 2012. The technique of data analyzing in this research is descriptive analyze and using multiple linear regression analyze, F test, and T test. Based on criteria, sample that being used is Muamalat Bank, Shariah Mandiri Bank, and Mega Shariah Bank.. The results of this research are FDR, IRR, and REO, have significant influence simultaneously to ROA. There are two variables that is not significant, those are NPF and PDN. Keywords : FDR, NPF, IRR, PDN, and REO

Item Type: Thesis (Undergraduate)
Subjects: 300 - SOCIAL SCIENCE > 330 - 339 ECONOMICS > 332 - FINANCIAL ECONOMICS > 332.12 - BANKS & BANKING
Divisions: Bachelor of Management
Depositing User: Perpustakaan Universitas Hayam Wuruk Perbanas
Date Deposited: 17 May 2017 07:50
Last Modified: 17 May 2017 07:50
URI: http://eprints.perbanas.ac.id/id/eprint/1320

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