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All Journal Muqtasid: Jurnal Ekonomi dan Perbankan Syariah
Rizal Rizal
FEBI IAIN Batusangkar Sumatera Barat
Economics, Econometrics & Finance

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Internal and External Factors Effects towards Return on Assets in Indonesian Foreign Exchange Sharia Bank Rizal Rizal; Farid Ahmad Marlion; Himyar Pasrizal; Rini Anita
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 12, No 1 (2021): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v12i1.49-62

Abstract

This study aims to analyze the influence of internal factors such as financing and third-party funds, as well as external factors including inflation, BI, and exchange rate against Return On Asset (ROA) at Indonesian Foreign Exchange Sharia Bank. Furthermore, the library research was used and quantitatively described. Also, using the total sampling technique, the research team obtained six sample banks, namely Bank Mega Syariah, Muamalat Indonesia, Panin Dubai Syariah, BNI Syariah, BRI Syariah, and Bank Syariah Mandiri. The data include Balance Sheet and Profit, Loss Financial Statements, as well as the published reports on inflation, BI, or exchange rates obtained in a quarterly period from 2015 to 2019. According to the F-test, there was a significant influence between the independent variables (Financing, Third Party Funds, Inflation, BI, and Exchange Rates) on the dependent (ROA). Meanwhile, the t-test showed there was no significant effect of partial financing, Third Party Funds, BI rate (X ), and Kurs (X ) on the ROA. Therefore, this study showed there was an increase in ROA because the society involves in financing due to high inflation.
Co-Authors ANITA, RINI Farid Ahmad Marlion Himyar Pasrizal