PERDANA, Putri Sema (2020) Factors Influencing Profitability of Islamic Commercial Bank Listed in OJK. Skripsi thesis, Universitas Jenderal Soedirman.

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Abstract

This research is a study using secondary data on Financing Deposit Ratio (FDR), Non-Performing Financing (NPF), Capital Adequacy Ratio (CAR), and Islamic Corporate Social Responsibility (ICSR) for Islamic Commercial Bank in Indonesia. The study took the title: "Factors Influencing Profitability Of Islamic Commercial Bank Listed In OJK" This research aims to determine the influence of Financing Deposit Ratio (FDR), Non-Performing Financing (NPF), Capital Adequacy Ratio (CAR), and Islamic Corporate Social Responsibility (ICSR) on the profitability of Islamic Commercial Bank. The population in this study is Islamic Commercial Banks in Indonesia registered with the Financial Services Authority for the 2014- 2018 period. The sample in this study amounted to 35 samples from 7 Islamic Commercial Banks in the 5 years. The sampling technique used was purposive sampling. Data analysis in this study is multiple linear regression analysis and coefficient of determination analysis. The results of this study indicate that financing deposit ratio (FDR) has a positive effect on profitability, non-performing financing (NPF) has a negative effect profitability, capital adequacy ratio (CAR) has a positive effect on profitability, and Islamic corporate social responsibility (ICSR) has a positive effect on profitability. The implications of this research for Islamic Commercial Banks to continue to improve company profitability, conduct credit management more efficiently by implementing a proper risk management system, conducting periodic evaluations related to loans that have difficulty paying off due to intentional factors or due to conditions outside the ability of the debtor, controlling the amount of credit given to be proportionate to the number of public funds and own capital used, increasing investment in assets that have a high level of liquidity and productive while still considering risks based on the principle of prudence, and allocating Islamic Corporate costs Social Responsibility (ICSR) appropriately and more efficiently manage environmental and social costs to continuously improve bank profitability.

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