Pengaruh Efisiensi Operasional Terhadap Return On Assets Pada Bank Umum Syariah Di Indonesia
Abstract
Tujuan dari penelitian ini adalah untuk mengukur dan menganalisis pengaruh efisiensi operasional yang diproksikan dengan rasio keuangan bank yang terdiri dari rasio Biaya Operasional terhadap Pendapatan Operasional (BOPO), Penyisihan Penghapusan Aktiva Produktif (PPAP), terhadap Return on Asset (ROA). Metode yang digunakan pada penelitian ini adalah metode eksplanatoris. Populasi dalam penelitian ini adalah 11 Bank Umum Syariah (BUS) dengan penggunaan teknik total sampling dalam penentuan sampelnya. Teknik analisis yang digunakan adalah analisis regresi linear berganda. Hasil penelitian menunjukkan bahwa BOPO dan PPAP menjadi faktor utama dari efisiensi operasional yang dapat mempengaruhi peningkatan ROA.
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