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Pengaruh Fluktuasi Harga Emas dan Kurs Terhadap Return on Assets (ROA) Bank Syariah Indonesia Tahun 2018-2025 Dela Puspita Sari; Eka Sri Wahyuni; Katra Pramadeka
Science and Education Journal (SICEDU) Vol 5 No 2 (2026): Science and Education Journal 2026
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/sicedu.v5i2.1222

Abstract

This study aims to analyze the effect of gold price fluctuations and exchange rates on the Return on Assets (ROA) of Bank Syariah Indonesia during the 2018–2025 period. Profitability, as measured by ROA, is an important indicator for assessing a bank’s ability to manage its assets efficiently to generate profits. Gold price fluctuations and exchange rate movements are considered external factors that may affect the profitability of Bank Syariah Indonesia because they are closely related to economic conditions and the bank’s financing activities. This study employed a quantitative approach using an associative research design. The data used were secondary data obtained from the financial statements of Bank Syariah Indonesia, gold price data, and the Indonesian rupiah exchange rate against the United States dollar for the 2018–2025 period, presented on a quarterly basis, resulting in 32 observations. The sampling technique used was saturated sampling. Data were analyzed using multiple linear regression with the assistance of EViews software. The results showed that, partially, gold price fluctuations had a significant effect on Return on Assets (ROA) with a significance value of 0.001 < 0.05. The exchange rate also had a significant effect on ROA with a significance value of 0.002 < 0.05. Simultaneously, gold price fluctuations and exchange rates had a significant effect on the Return on Assets (ROA) of Bank Syariah Indonesia with a significance value of 0.002 < 0.05. Therefore, gold price fluctuations and exchange rates are factors that influence the profitability of Bank Syariah Indonesia during the study period.
Pengaruh Fluktuasi Harga Emas Dan Kurs Terhadap Return On Assets (ROA) Bank Syariah Indonesia Tahun 2018-2025 Dela Puspita Sari; Eka Sri Wahyuni; Katra Pramadeka
Science and Education Journal (SICEDU) Vol 5 No 3 (2026): Science and Education Journal 2026
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/sicedu.v5i3.1221

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh fluktuasi harga emas dan kurs terhadap Return on Assets (ROA) Bank Syariah Indonesia periode 2018–2025. Profitabilitas yang diukur melalui ROA menjadi indikator penting dalam menilai kemampuan bank mengelola aset untuk menghasilkan laba. Fluktuasi harga emas dan perubahan kurs diduga memengaruhi tingkat profitabilitas Bank Syariah Indonesia karena berkaitan dengan kondisi ekonomi dan aktivitas pembiayaan bank. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian asosiatif. Data yang digunakan merupakan data sekunder berupa laporan keuangan Bank Syariah Indonesia, data harga emas, dan data kurs rupiah terhadap dolar Amerika Serikat periode 2018–2025 yang disajikan secara triwulanan sehingga diperoleh 32 data pengamatan. Teknik pengambilan sampel menggunakan sampling jenuh. Analisis data dilakukan menggunakan regresi linier berganda dengan bantuan program EViews. Hasil penelitian menunjukkan bahwa secara parsial fluktuasi harga emas berpengaruh signifikan terhadap Return on Assets (ROA) dengan nilai signifikansi 0,001 < 0,05. Kurs juga berpengaruh signifikan terhadap ROA dengan nilai signifikansi 0,002 < 0,05. Secara simultan, fluktuasi harga emas dan kurs berpengaruh signifikan terhadap Return on Assets (ROA) Bank Syariah Indonesia dengan nilai signifikansi 0,002 < 0,05. Dengan demikian, fluktuasi harga emas dan kurs merupakan faktor yang memengaruhi profitabilitas Bank Syariah Indonesia selama periode penelitian.
Co-Authors Eka Sri Wahyuni Katra Pramadeka