PENGARUH FINANCING TO DEPOSIT RATIO (FDR) TERHADAP RETURN ON ASSET (ROA) PADA BANK SYARIAH ANAK PERUSAHAAN BUMN DI INDONESIA PERIODE 2011-2019

Abstract

This study aims to analyze the effect of Financing to Deposit Ratio (FDR)
on Return On Asset (ROA) in Islamic banks, a subsidiary of BUMN. This
research is classified as a descriptive quantitative research. This research
was conducted at the Sharia Bank Subsidiaries of BUMN, namely Bank
Syariah Mandiri, Bank BRI Syariah, and Bank BNI Syariah. The data used
in this study are secondary data obtained from the quarterly financial
reports for the 2011-2019 period. Data collection techniques through
literature and documentation. The analysis method used in this research is
Simple Regression Analysis, Descriptive Test, and Classical Assumption
Test. As for the hypothesis test used is the t test and the test of
determination (R2).From the results of the analysis, it shows that the FDR
condition is in the quite good category. Then for the ROA condition it is in
the quite good category. Based on several tests that have been carried
out, it is known that FDR does not have a significant effect on ROA. This is
evidenced in the results of the Determination Test which shows that the
size of the FDR ratio is only able to affect the ROA ratio by 0.005 or 0.5%.
This means that FDR has a very weak influence in increasing the ROA of
Sharia Banks in BUMN Subsidiaries. This is due to other factors that more
influence ROA, such as CAR, NPF, and BOPO.