The Effect Of Financial Performance On Profit Level At Bank Syariah Indonesia Surabaya

Eko Arifianto¹, Sukesi^2*, Sugiyanto³

Abstract

The data used in this study were obtained directly by the author from PT. Bank Syariah, West Surabaya Branch. This study aims to analyze financial performance in terms of Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Operating Costs/Operating Income (BOPO), and Loan to Deposit Ratio (LDR) to the level of profit. This type of research is associative causal, namely a study that aims to analyze the relationship between one variable and another. The population in this study is the Financial Report of PT. Bank Syariah, West Surabaya Branch, so the sample in this study was taken from part of the population. The data used in this study were obtained from the Financial Report Value of CAR, NPL, BOPO, LDR, and Profit from 2015 to 2017. Data processing and statistical analysis used SPSS version 21 output with a significance level of 0.05. The data analysis techniques used were classical assumption tests, multiple linear regression tests, suitability tests, and determination coefficient tests (R2). The results of statistical tests in this study stated that the variables Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Operating Costs to Operating Income (BOPO) and Loan to deposit ratio (LDR) were able to explain the Influence of Financial Performance on Profit Level at PT. Bank Syariah, West Surabaya Branch for the period 2015-2017.