PENGARUH CAR, NPF, FDR DAN BOPO TERHADAP PROFITABILITAS PADA BANK UMUM SYARIAH DI INDONESIA

The research aimed to analyze the influence of variables of CAR, NPF, FDR and BOPO on profitability at Islmic Banks in Indonesia. The population in this research is 13 islamic banks which operate in Indonesia in period 2013- 2016. The method of sample collection which used in this research is Puposive Sampling with 11 islamic banks. Data analysis technique which used in this research is regression with the data in the form of panel The result of the research that CAR variable is not influenced on profitability, where variable of NPF and BOPO negatively influenced and significant on profitability and variable of FDR influenced positively and significant on profitability at Islamic Banks. While the result of the research simultaneously shows that variable of CAR, NPF, FDR and BOPO influenced the probitability with R square (R2) about 0, 928226. It means th e independent variable influenced on profitability variable about 92,82% with the rest about 7,18% could be explained by others variables. The implication of this research is the Islamic Banks should pay more attention to factors affecting the level of profitability in order to improve the bank financial performance.