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Karisma, Dwi Pratika
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Religion Arts Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Journal : journal of islamic economic laws

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MACRO VARIABLE EFFECT ANALYSIS AND NON-PERFORMING FINANCING (NPF) AGAINST THE RETURN ON ASSET (ROA) ISLAMIC BANKS IN INDONESIA YEAR 2008-2017 Qolbi, Fikri Ainul; Karisma, Dwi Pratika; Rosyadi, Imron
Journal of Islamic Economic Laws Vol 3, No 1 (2020): Journal of Islamic Economic Laws
Publisher : Muhammadiyah University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (368.91 KB) | DOI: 10.23917/jisel.v3i1.10170

Abstract

Islamic Banks is a business entity that raises and distributes funds from the community and for the community. The study was conducted to analyze the macro variables and NPF (Non-Performing Finance) to ROA (Return on Assets) to determine the relationship between short-term and long-term between variables. The analysis model used is the Eagle Granger ECM Stage Two test that uses secondary data from the serial data (time series). The results of this study indicate that NPF simultaneously, GDP, and interest rates affect the ROA. Partially GDP positive and significant effects in the long term and short term, NPF positive and significant effect in the long term, interest rate, and no significant positive effect on ROA.
Co-Authors Ambariyanto Ambariyanto Imron Rosyadi Qolbi, Fikri Ainul Qolbi, Fikri ‘Ainul