JHSS (Journal of Humanities and Social Studies)
Vol. 10 No. 01 (2026): JHSS (Journal of Humanities and Social Studies) (SI)

The Influence Of Bi Rate And Exchange Rate On The Income Of Pt Bank Syariah Indonesia Tbk

Didi Handono Syahputra (Universitas Islam Negeri Sumatera Utara, Indonesia)
Isnaini Harahap (Universitas Islam Negeri Sumatera Utara, Indonesia)
Yenni Samri Juliati Nasution (Universitas Islam Negeri Sumatera Utara, Indonesia)



Article Info

Publish Date
11 Apr 2026

Abstract

The development of Islamic banking is influenced by macroeconomic factors, such as the BI Rate and the exchange rate of the Rupiah, which can impact profit-sharing income. This study aims to analyze the influence of the BI Rate and exchange rate on profit-sharing income at PT Bank Syariah Indonesia Tbk. The research uses a quantitative approach with multiple linear regression analysis based on time series data. The research results show that the coefficient of determination (R²) of 0.308 indicates that both variables can explain 30.8% of the variation in profit-sharing income, while the remaining 69.2% is influenced by other variables outside the study. Partially, the BI Rate has a negative and significant effect on profit-sharing income with a significance value of 0.007 (< 0.05), while the exchange rate has a positive but not significant effect with a significance value of 0.111 (> 0.05). Simultaneously, the BI Rate and the exchange rate have a significant effect with an F-test significance value of 0.000 (< 0.05).

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Journal Info

Abbrev

JHSS

Publisher

Subject

Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

Description

JHSS (Journal of Humanities and Social Studies) is a journal that publishes scientific papers in the field of humanities and social studies. This Journal, run by Lembaga Penelitian dan Pengabdian Pada Masyarakat, Universitas Pakuan, Bogor. The Journal provides opportunities for scholars to submit ...