PENGARUH NON PERFORMING LOAN (NPL) DAN BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) TERHADAP RETURN ON EQUITY (ROE) PADA PERBANKAN SYARIAH YANG TERDAFTAR DI BURSA EFEK INDONESIA TAHUN 2015 – 2019

Novianthy Novianthy, Supriyono Supriyono

Abstract


The banking industry is an important part of a country's economy. The important role of the banking sector is as an intermediary in serving economic activities. According to Sufian (in Prasanjaya and Ramantha, 2013), that the banking world plays an important role in a country's economy, because banking acts as the lifeblood of trade that aims to provide all kinds of financing and lending needs. Banking is everything related to the bank, including institutional, business activities, as well as ways and processes in carrying out its business activities. Indonesian banking in carrying out its functions is based on the principle of economic democracy and uses the precautionary principle. The main function of Indonesian banking is to collect and distribute public funds. In addition, it also has the aim to support the implementation of national development in order to improve equitable development, economic growth, and national stability towards improving the standard of living of the people (booklet Indonesian banking edition in 2012). This is in accordance with law No. 7 of 1992 which has been changed into law No. 10 of 1998 concerning banking which states that a bank is a business entity that collects funds from the public in the form of 2 deposits and distributes them to the public in the form of credit and or other forms in order to improve the standard of living of the people. This study was conducted using a quantitative approach. According to sugiyono (2015:14) “quantitative approach is a research method that is based on the philosophy of positivism, used in researching the sample and Population Research, sampling techniques are generally sampling, while data collection is done by utilizing the research instrument used, the analysis of the data used is quantitative can be measured with the aim of testing the hypothesis set before”


Keywords


Non Performing Loan, Return On Equity, Islamic Banking

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