Pengaruh Kinerja Keuangan Terhadap Tingkat Laba pada PT. Bank Syari'ah Mandiri Medan

Abstract

This study aims to analyze the financial performance reviewed from Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Operating Cost/ Operating Income (BOPO), and Loan to Deposit Ratio (LDR) to the profit rate. This type of research is a causal associative that is a research that aims to analyze the relationship between one variable with other variables. Population in this research is financial report PT. Bank Sumut branch Kisaran then the sample in this study taken from some population. The data used in this research is obtained from the financial statements of the value CAR, NPL, BOPO, LDR, and profit from year 2015 to 2017. Data processing and statistical analysis using SPSS version 21 with a level of significance 0,05. Data analysis techniques test, multiple linear regression test, conformity test, and test coefficient of the determination (R2 ). The result of statistical tests in this study states that variables Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Operating Cost/ Operating Income (BOPO) and Loan to deposit ratio (LDR) able to explain the effect of financial performance on the level of profit on PT. North Sumatera Bank Branch Kisaran period 2014-2017.