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Journal : Journal of Economicate Studies

THE EFFECT OF INFLATION, BANK INDONESIA RATE, NON PERFORMING FINANCING, AND COSTS OF OPERATING EXPENSES TO OPERATING REVENUES ON PROFITABILITY OF SHARIA COMMERCIAL BANKS IN INDONESIA Syah, Toufan Aldian; Kharismasyah, Alfato Yusnar
Journal of Economicate Studies Vol. 2 No. 2 (2018): Journal of Economicate Studies
Publisher : Islamicate Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32506/joes.v2i2.469

Abstract

The 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 excellent prospects for the development of the Sharia Banking Industry in the future. Therefore, the development of Sharia banks has slowed in recent years and the profitability of Sharia banks is also still below the ideal value. This study aims to determine the internal factors and external factors that influence the profitability of Sharia Commercial Banks from January 2012 to August 2017. The variables used in this study are ROA, Inflation, NPF, and OEOR. The data used is the aggregate data of all Sharia Commercial Banks registered at Bank Indonesia. Measurement of Statistical Descriptions, F-test, t-test, Correlation Coefficient, Determination Coefficient and Multiple Linear Regression using IBM SPSS 21 software. The results showed that there were significant negative effects of the variable BI rate, NPF, and OEOR while the Inflation variable showed a negative but insignificant effect. Overall the above variables affect ROA by 87.7% while 12.3% is likely to be influenced by other factors.
Co-Authors Abiansyah, Iqbal Nafis Akhmad Darmawan Alamsyah, Akbar Alfauzan, Naufal Fikriy Alkhamdi, Aden Nuzuli Gita Anindita, Kurniasih Setya Arini Hidayah Astuti, Herny Justiana Ayu Nur, Luthfi Azzahra, Salsa Putri Pradiva Bagis, Fatmah Basalamah, Laila Erny Rachmawati Fajriani, Alfira Umay Fathurrohman, Yusuf Enril Firantika, Anindya Sandra Haizah, Ulfa Nur Haliza, Vivi Dwi Haryanto , Totok Haryanto, Totok Hengky Widhiandono, M.Si. S.E. Hermin Endratno Herni Justiana Astuti Hidayati, Septiana Nur Ikhsani, Mastur Mujib Ilham Nuryana Fatchan, Ilham Nuryana Islami, Muhammad Wildan Maharani, Wilia Krisna Marindra, Marshanda Putri Maulida Nurul Innayah Mawarni, Ghea Intan Melati, Lifera Elok Miftahuddin, Muchammad Agung Miftahudin, M. Agung Muji R, Tri Septin Naelati Tubastuvi Nafiza, Maharani Lulu Najri Aziz Nur Aisah, Triana Nurramdani, Husni Pamungkas, Ibnu Permatasari, Gilang Pratama, Andika Canggah Pratamasari, Mega Aprillia Prihatini, Frila Juniar Purnadi, Purnadi Rahayu, Tri Septin Puji Rahma, Shalu Desta Arina Rahmawati, Ika Yustina Randikaparsa, Irawan Rizqullah, Naufal Khosyi Safitri, Lista Dea Saiful Arif, Muhammad Saputra, Raji Setianingrum, Lia Setiawan, Dodi Ghani Setiawati, Nur Kholis Silvia, Nadya Agnes Siti Helmyati Suyoto Suyoto Toufan Aldian Syah Tri Septin Muji Rahayu, Tri Septin Utami, Nissa Mu'iz Watemin, Watemin Wida Purwidianti Widoyo, Fauzi Rifqi Wulan, Zani Nawang Yano, Midori Aiko Yasifah, N. Al Ngizati Ngama Zaharani, Lisa Cahya Zamakhsyari, Luthfi Zein, Ines Putri Adna