Pengaruh Inflasi, BI Rate, NPF, dan BOPO terhadap Profitabilitas Bank Umum Syariah di Indonesia
DOI:
https://doi.org/10.24090/ej.v6i1.2051Keywords:
sharia bank, provitabilityAbstract
Banking industry has a very important role in economic development in a country. Indonesia, which is the largest Muslim country in the world, certainly has the prospect of the development of Sharia Banking Industry is very good in the future. However, the development of Sharia Bank has been slowing down in recent years and the profitability of sharia comercial banking is still below the ideal value. This study aims to determine the internal factors and external factors that affect the profitability of Sharia Bank in the year of January 2012 until August 2017. The variables used in this study are ROA, Inflation, NPF, and BOPO. The data used is aggregate data of all Sharia Commercial Banks recorded at Bank Indonesia. Measurement of Statistic Description, F-Test, T-Test, Correlation Coefficient, Coefficient of Determination and Multiple Linear Regression using IBM SPSS 21 software. The results showed that significant negative effect of BI rate, NPF and BOPO was found, while Inflation variable showed negative but not significant. Overall, the above variables affect the ROA of 87.7%, while 12.3% is likely to be influenced by other factors.References
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Balanchandher K. Guru et.al,. 2000. Determinant of Commercial Bank Profitability in Malaysia, Asian Academy of Management Journal, USM Malaysia, Vol.5 No.2, 3-4.
Boediono.1998. Ekonomi Moneter, Yogyakarta: BPFE.
Duraj, brunilda dan Elvana, Moci. 2015. Factors Influencing The Bank Profitability – Empirical Evidence From Albania. Romanian Economic and Business Review – Vol. 10, No. 1.
Ghozali, Imam. 2016. Aplikasi Analisis Multivariate dengan Program SPSS. Edisi Kedelapan. Semarang : Badan Penerbit Universitas Diponegoro.
Gitman, L.J. and Zutter, C.J. 2012. Principles of Managerial Finance (13th Edition). Boston: Pearson Education, Inc.
Hendrayanti, Silvia.2013. Analisis Pengaruh Faktor Internal Dan Eksternal Terhadap Profitabilitas Perbankan, Diponegoro Journal Of Management, Vol. 2, No. 3, 1-15.
Hidayati, A N. 2014. Pengaruh Inflasi, Bi Rate dan Kurs Terhadap Profitabilitas Bank Syariah Di Indonesia An-Nisbah, Vol. 01, No. 01, 72-97.
Indriantoro dan Supomo. 1999. Metodologi Penelitian Bisnis untuk Akuntansi dan. Manajemen. Edisi Pertama. BPFE Yogyakarta. Yogyakarta.
Karim, Adiwarman. 2017. Ekonomi Makro Islami, Jakarta : Raja Grafindo Persada
Kasmir. 2011. Analisis Laporan Keuangan. Rajawali Pers, Jakarta.
________. 2008. Bank & Lembaga Keuangan Lainnya. Jakarta : PT. Raja Grafindo Persada.
Malik, Robina et. al,. (2015). Bank Peculiar, Macroeconomic Causes and Profitability Bank: An Evidece from Pakistan: Interrnational Journal of Information, Business and Management. Vol. 7, No. 4, 14-27.
Noor, Juliansyah. 2015. Analisis Data Penelitian Ekonomi & Manajemen, Jakarta : Grasindo.
Obamuyi, T.M. 2013. Determinants of Banks’ Profitability in A Developing Economy: Evidence from Nigeria, Organizations and Markets in Emerging Economies, Vol 4, No. 2(8). 97-111.
Pardede D.M, Pangestuti I.R. 2016. Analisis Pengaruh Car, Dana Pihak Ketiga (DPK), NIM, dan LDR Terhadap Profitabilitas Perbankan Dengan LDR Sebagai Variabel Intervening. Diponegoro journal of management, Vol. 5, No. 3, 1-13.
Rokhman, W. 2016. Islamic Management Practices in Islamic Microfinance: an Empirical Study. Idea Press, Yogjakarta.
Siamat, Dahlan. 2005. Manajemen Lembaga Keuangan. “Kebijakan Moneter dan Perbankanâ€, Jakarta : Fakultas Ekonomi Universitas Indonesia, edisi kesatu.
Suryani. 2011. Analisis Pengaruh Financing to Deposit Ratio (FDR) terhadap Profitabilitas Perbankan Syariah di Indonesia. Jurnal Walisongo Aceh : STAIN Malikussaleh Lhokseumawe Vol. 19, No. 1, 55-68.
Syamsudin, L. 2011. Manajemen Keuangan Perusahaan (Konsep Aplikasi dalam Perencanaan, Pengawasan dan Pengambilan Keputusan). PT Raja Grafindo Persada, Jakarta.
Wibowo, E.S dan Syaichu, Muhammad. 2013. Analisis Pengaruh Suku Bunga, Inflasi, CAR, BOPO, NPF Terhadap Profitabilitas Bank Syariah. Diponegoro Journal Of Management Volume 2, Nomor 2. 1-10.
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Published
2018-06-11
How to Cite
Syah, T. A. (2018). Pengaruh Inflasi, BI Rate, NPF, dan BOPO terhadap Profitabilitas Bank Umum Syariah di Indonesia. El-Jizya : Jurnal Ekonomi Islam, 6(1), 133–153. https://doi.org/10.24090/ej.v6i1.2051
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