Abstract:
Banks as financial intermediaries in carrying out its business activities are classified into two categories, that is banksconventional and banks with Islamic principles. This research focuses in Islamic bank.The important things of bank Islamic is they must to improve their performance to create the healthy and efficient bank with Islamic principle to attract many customer especially in Indonesia. Profitability as a reference in measuring the profits become so important to know whether the company has been running its business efficiently.Through this research, it has been tried to analyze the financial performances of Bank BNI Syariah, Bank MandiriSyariah, Bank Mega Syariah, Bank BRI Syariah, mainly on 5 indicators. Those are Capital Adequacy Ratio (CAR), Non Performing Ratio (NPF), Operational Cost Operational Income (BOPO), Financing Deposit Ratio (FDR) and Return On Asset (ROA).The results of the research altogether (f-test) states that the CAR, NPF,BOPO, and FDR jointly affect the profitability (ROA) of banks.While the results showthat the regression coefficient between profitability (ROA) of banks with 4independent variables of 41,7%.The result of research partially (t-test) states that thevariable CAR, NPF and FDR did not have a significant effect on profitabilitys(ROA) of banks.Variable BOPO has significanteffect onprofitability (ROA) of banks.
