Financing to Deposit Ratio and Non-Performing Finance Against a Return on Assets of Public Sharia Bank in Indonesia

  • Anip Dwi Saputro Institute State Islamic of Ponorogo
Keywords: FDR, NPF, ROA

Abstract

Financing to Deposit Ratio (FDR) and Non Performing Finance (NPF) against the
Return On Asset (ROA). As for the type of research conducted the author is research
with quantitative research methods. While the techniques of data collection is done
using documentation i.e. financial statements throughout the public Sharia bank in
Indonesia 2013-2017 period. The analysis of the data used is multiple linear regression
model with the SPSS program. The results of this research show that partially or alone,
financing to deposit ratio (FDR) do not affect significantly to ROA, this is shown with
a value of more than 0.05 significance i.e. 0.753. And non performing financing (NPF)
effect significantly to ROA, this is due to the value of significance is 0.030 smaller than
0.05. As well as simultaneously or together FDR and NPF effect significantly to ROA,
is evidenced by the value fcount > fabel is 63.042 > 10.13 and the value of significance
smaller than 0.016 0.05. Increase and decrease of ROA is caused by several factors,
namely the FDR and the NPF.

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Published
2019-01-23
How to Cite
Saputro, A. (2019). Financing to Deposit Ratio and Non-Performing Finance Against a Return on Assets of Public Sharia Bank in Indonesia. JIBER : Journal of Islamic Business and Economic Review, 2(1), 52-62. Retrieved from http://jiber.stebilampung.ac.id/index.php/jiber/article/view/6
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Articles