THE EFFECT OF CAPITAL ADEQUACY RATIO, FINANCING TO DEPOSIT RATIO AND FEE BASED INCOME ON PROFITABILITY IN SHARIA BANKS FOR THE PERIOD 2015-2019

Abstract

Return On Assets is a ratio used to measure bank profitability. The value of profitability is measured by assets whose most of the funds come from the public. This research aims to determine the effect of Capital Adequacy Ratio, Financing to Deposit Ratio and Fee Based Income on Return On Assets. The population in this research is the Indonesian Sharia Commercial Bank for the period 2015-2019. The sample collection technique used purposive sampling. This research data analysis method using panel data regression analysis with Eviews software. The results showed the Capital Adequacy Ratio, Financing to Deposit Ratio and Fee Based Income simultaneously influence Return On Assets. The results of the study partially show that the Financing to Deposit Ratio and Fee Based Income have no effect on Return On Assets, while the Capital Adequacy Ratio has an effect on Return On Assets