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All Journal EMBISS: Jurnal Ekonomi, Manajemen, Bisnis, Sosial
Mulya E Siregar
Universitas Terbuka
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Analisis Faktor Internal Dan Eksternal Yang Mempengaruhi Profitabilitas Bank Umum Syariah Di Indonesia Periode Triwulan Tahun 2012- 2018 Moh Abdul Basir; Mulya E Siregar; Etty Puji Lestari
JURNAL EKONOMI, MANAJEMEN, BISNIS, DAN SOSIAL (EMBISS) Vol. 1 No. 2 (2021): Februari 2021
Publisher : CV ODIS

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Abstract

This study aims to analyze the effect of internal and external factors on the profitability of Islamic commercial banks in Indonesia during 2012-2018. The internal factors used in this study are derived from bank-specific factors such as capital adequacy ratio (CAR), efficiency ratio/operation costs on operating income (BOPO), financing to deposit ratio (FDR), and non-performing financing (NPF). The external factor used in this study such as interest rate, inflation, and Gross Domestic Product (GDP). The profitability of Sharia Comercial Banks proxied by Return on Assets (ROA). The Population of this study is 11 Sharia Commercial Banks that publish financial reports during the quarterly period 2012-2018. The novelty of this study such as, comprehensive study of Sharia Banking, using quarterly data, using macroeconomic factors which in previous studies were not discussed in-depth, and using panel data regression analysis. The result of this study indicates that  CAR and GDP have a significant positive effect on ROA. Meanwhile, BOPO, FDR and NPF has significant  negative effect on ROA
Co-Authors Etty Puji Lestari Moh Abdul Basir