Yurisprudentia: Jurnal Hukum Ekonomi Vol. 8 No. 2 Desember 2022 E-ISSN: 2580-5234, P-ISSN: 2442-6822 Web: http://jurnal.iain-padangsidimpuan.ac.id/index.php/yurisprudentia 127 PENGARUH FAKTOR PERMODALAN, KUALITAS ASET DAN LIKUIDITAS TERHADAP PROFITABILITAS BANK UMUM SYARIAH Feri Irawan STAI Nahdlatul Wathan Samawa-NTB e-Mail: feri.irawan@stainwsamawa.ac.id Abstract Banks are able to generate increasing profits and public confidence to use banking services and capital will increase from investors, dividends that will be received by investors increase, along with bank profits. The research objective is to analyze the effect of capital factors, asset quality, liquidity on profitability. The sampling method in this research is purposive sampling. purposive sampling is a sampling method based on certain criteria. Data analysis used multiple linear regression analysis using SPSS 14. This research is a quantitative descriptive study. The data used is secondary data in the form of financial statements from companies obtained from the Indonesian Banking Directory at Bank Indonesia. Data analysis was carried out using financial ratio analysis, namely the ratio of capital, asset quality, liquidity and profitability. Then the analytical tool used to prove the hypothesis in this study is the simultaneous significance test (f statistic test) and the individual parameter significance test (t statistical test). The results of the study found that, capital (KPMM), is known to have an Unstandardized Coefficient B value of -0.05 which indicates that CAR has a negative effect on profitability (NOM). Asset quality has an Unstandardized Coefficient B value of 37,003 this indicates that the quality of assets made with Earning Asset Quality (KAP) has a positive effect on NOM. From the liquidity condition (STM), it is known that the Unstandardized Coefficient B value of 0.007 indicates that liquidity has an effect on NOM. This shows that liquidity can increase the profitability of Islamic banking developed with NOM Keywords: Capital, Liquidity, Profitability, Islamic Commercial Bank A. Pendahuluan Perbankan nasional belum mampu menjalakan fungsi intermediasi dengan baik. Kondisi perbankan nasional berdasarkan data BI, menunjukkan bahwa: dari total aset pada akhir 2018 sebesar Rp. 1.030,5 Triliun, penyaluran kredit mencapai Rp. 320,4 Triliun sedangkan total obligasi berjumlah Rp. 658,7 Triliun. Komposisi aset seperti pada data diatas menunjukkan kondisi aset yang kurang sehat, karena kredit perbankan hanya menyumbang sebanyak 31,1% dari total aset. Besarnya Loan Deposit Ratio (LDR) pada akhir 2019 sebesar 33,0% dan 41,2% pada akhir Mei 2019, rasio tersebut jauh dari patokan Bank Indonesia sebesar 90%- 110%. Laba parbankan berdasarkan Retruns On Asset (ROA) sebesar 1,45%