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All Journal el-Jizya: Jurnal Ekonomi Islam DERIVATIF Jurnal Ilmiah Ekonomi Islam Journal of Economicate Studies CITIZEN: Jurnal Ilmiah Mulitidisiplin Indonesia Asian Journal of Innovative Research in Social Science el-Jizya: Jurnal Ekonomi Islam Profit : Jurnal Inovasi Ekonomi dan Bisnis Wealth: Journal of Islamic Banking and Finance Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Al Jabiri: Jurnal Ilmiah Studi Islam
Toufan Aldian Syah
Universitas Alma Ata, Yogyakarta
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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Journal : Journal of Economicate Studies

 1 
Macroeconomic and Bank-Specific Factors Affecting Islamic Bank Profitability in Indonesia Syah, Toufan Aldian
Journal of Economicate Studies Vol. 6 No. 1 (2022): Journal of Economicate Studies
Publisher : Islamicate Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32506/joes.v6i1.11

Abstract

This study examines how macroeconomic and bank-specific variables influence the profitability of Islamic Commercial Banks in Indonesia. Using qualitative-documentary analysis, the research integrates both internal performance metrics—such as capital adequacy, cost efficiency, and credit quality—and external macroeconomic indicators including GDP growth and inflation. Framed by the Resource-Based View and Financial Intermediation Theory, the study finds that profitability is most sustainable when internal capabilities are strategically aligned with macroeconomic stability. Inflation and GDP growth significantly impact bank earnings, while internal variables such as capital structure and operational efficiency remain critical performance drivers. The findings reveal that profitability is a dynamic outcome of both internal governance and environmental conditions. This research advances existing literature by providing a holistic framework for assessing Islamic bank performance and offers practical implications for policymakers and bank managers seeking to improve financial resilience within a sharia-compliant context.
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 Abdul Basit Abdul Mujib Aditiawati, Indah Ajie, Eric Setia Permana Akmal, Fakhrudin Al Haq Kamal Alfato Yusnar Kharismasyah Anafiah, Dhurotul Anisa, Rischa Nur Dadang Heksaputra Desi Ratna Sari, Desi Ratna Dimas Wibisono Ericka Esthining Tias Nami Tata Erna Dewi Tria Fatmasari, Ayu Finka Febri Nur'aini Harahap, Ridho Satria Harahap, Ridho Satrio Heksaputra, Dadang Jamal Abdul Aziz Kharismasyah, Alfato Yusnar Lestari, Melina Budi Mawaddah, Isnaini Mujiningsih, Mujiningsih Nengsi, Apriana Ningrum, Putri Nurkusuma Nur'aini, Finka Febri Nurcholis, Anugrah Wing Nuryani, Tiya Puspita, Adinda Novelia Putri, Sistalia Ragil Satria Wicaksana Ruliana, Risma Saputri, Apik Anitasari Intan Sari, Silvia Waning Hiyun Puspita Solihatin, Rina Sugiarti Sugiarti Waliko Waliko Wibisono, Dimas Wibowo, Ardy Wicaksana, Ragil Satria