PENGARUH RISIKO PEMBIAYAAN, KECUKUPAN MODAL, EFESIENSI OPERASIONAL, DAN FUNGSI INTERMEDIASI TERHADAP PROFITABILITAS PADA PERBANKAN SYARIAH DI INDONESIA
Abstract
The importance of the function and role of Islamic banking in Indonesia, the Islamic
banks need to improve its performance in order to create banking with sharia
principles of healthy and efficient. Profitability as a reference in measuring the profit
to be so important to know whether the company has run its business efficiently. The
ratio is important for the bank's profitability is Return On Assets (ROA).This samples
using purposive sampling method in BUS that exist and releasing financial statements
between 2006 and 2010 in which they are not loss. Data is collected from Bank
Indonesia and the BUS website’s. This study aims to determine and examine the effect of
the intermediary function of the performance of Islamic banks in Indonesia with financial
risk as an intervening variable. This study uses Structural Equation Modeling (SEM) with
an alternative method of Partial Least Square (PLS) shows the result that the financing risk
has negative influence and significant to profitability Islamic Banks in Indonesia,
Capital Adequacy has negative influence and significant to profitability Islamic
Banks in Indonesia, Efficient Operations has negative influence and significant to
profitability Islamic Banks in Indonesia, function of intermediation has positive
influence and not significant to profitability Islamic Banks in Indonesia.