DAMPAK MAKROEKONOMI TERHADAP PROFITABILITAS PERBANKAN SYARIAH DI INDONESIA - Rizal, Fitra; Humaidi, Muchtim (IAIN Ponorogo, 2019)
Abstract: Islamic banking in Indonesia has developed, but the target of market share of 5% can not be achieved. These conditions caused the profitability of Islamic banking being very interesting to study. This study was conducted to examine the effect of Macroeconomic indicators as measured by Inflation, Exchange Rate and Gross Domestic Product to the Return on Asset of Islamic Banking in Indonesia. Population of this study is all of sharia commercial bank and sharia operational unit during nine years of the study since 2005 till 2013. The data in this study are secondary data that contains of Inflation, Exchange Rate, Gross Domestic Product and Return on Asset obtained from sharia banking statitics and monetery data that had been published by Bank Indonesia. This study use double linier regretion method with clasic assumption test. This study proved that Inflation, Exchange Rate and Gross Domestic Product simultaneously have significant effect to Return on Asset of Islamic banking in Indonesia. Partially, only the Gross Domestic Product variable has the positive and significant effect to Return on Asset of Islamic banking in Indonesia, while Inflation and Exchange Rate variable have no significant effect. ??????: ???? ????? ?????? ????????? ?? ????????? ????? ???????? ??? ?? ??? ????? ????? ??????? ????????? ????? ??? 5?. ??? ??? ?????? ??? ?? ???? ?????? ????????? ????? ???????? ??????? ???????. ??? ??? ??????? ?????? ??? ????? ?????? ???????? ????? ??????? ?????? ?????? ???? ????? ??????? ?????? ???????? ??? ?????? ??? ?????? ?????? ????????? ?? ?????????. ??? ???? ????? ?? ??? ??????? ???? ???? ?????? ???????? ????????? ?????? ??????? ????????? ???? ??? ??????? ?? ????? ??? 2005 ??? 2013. ???????? ????????? ?? ??? ??????? ?? ???????? ????????? ??? ?????? ?????? ????? ??????? ?????? ???????? ??????? ??? ?????? ???? ??? ????? ?? ??????? ?????? ????????? ????????? ??????? ???? ????????? ???? ?? ?????. ????? ??????? ????????? ?? ???????? ????? ???????. ???? ??? ??????? ?? ?????? ???? ????? ??????? ?????? ???????? ???? ?? ????? ???? ??? ?????? ??? ?????? ?????? ????????? ?? ?????????. ????? ??????? ??? ?????? ?????? ???????? ??? ?? ????? ?????? ???? ??? ?????? ??? ?????? ?????? ????????? ?? ????????? ? ?? ??? ?? ?????? ???????? ??? ??? ????? ????. Abstrak: Perbankan syariah di Indonesia mengalami perkembangan, tetapi target pangsa pasar sebesar 5% belum dapat tercapai. Kondisi tersebut mengakibatkan profitabilitas perbankan syariah menjadi sangat menarik untuk diteliti. Penelitian ini dilakukan untuk mengetahui pengaruh indikator Makroekonomi yang diukur dengan Inflasi, Kurs dan Produk Domestik Bruto terhadap Return on Asset perbankan syariah di Indonesia. Populasi dalam penelitian ini adalah seluruh bank umum syariah dan unit usaha syariah selama sembilan tahun penelitian 2005 sampai 2013. Data yang digunakan dalam penelitian ini adalah data sekunder yaitu data Inflasi, Kurs, Produk Domestik Bruto dan Return on Asset yang diperoleh dari Statistik Perbankan Syariah dan data moneter Bank Indonesia yang dipublikasikan oleh Bank Indonesia. Teknik analisis yang digunakan adalah regresi linier berganda. Penelitian ini membuktikan bahwa variabel Inflasi, Kurs dan Produk Domestik Bruto secara simultan memiliki pengaruh yang signifikan terhada Return on Asset perbankan syariah di Indonesia. Sedangkan secara parsial, hanya variabel Produk Domestik Bruto yang berpengaruh positif dan signifikan terhadap Return on Asset perbankan syariah di Indonesia, sementara variabel Inflasi dan Kurs tidak berpengaruh siginfikan.