Analisis Tingkat Profitabilitas Perbankan Syariah di Indonesia

Nur Lailatul Fatmawati, Abdul Hakim

Abstract


The ability of banks to generate profitability greatly impacts the growth and development of sharia banking. In maintaining and enhancing the growth of sharia banking, several components, both internal and external, are needed. The low profitability of banks indicates that banks are not good in their performance. Profitability is still something that is always wanted to be improved by Islamic banking because it sees the movement of Islamic banking growth that is still lagging far behind that of conventional banking. will be able to increase profitability. The purpose of this study is to determine the effect of FDR, BOPO, and exchange rates on the level of profitability (ROA). To determine the effect of NPF and interest rates on the level of profitability (ROA). To find out the influence of Mudharabah Financing, musyarakah financing and murabahah financing on profitability (ROA). This research uses a quantitative approach. The type of data used in this study is secondary data in the form of time series data. This study shows that FDR, BOPO, and exchange rates have a negative and significant effect on the level of profitability (ROA). NPF and interest rates have a negative and not significant effect on the level of profitability (ROA). Mudharabah financing, musyarakah financing and murabahah financing have a positive and not significant effect on profitability (ROA).

Keywords


ROA, FDR, NPF, BOPO, Mudharabah Financing, Murabahah financing, Musyarakah financing, Interest Rate, Excange Rate, Autoregressive Ditributed Lag (ARDL)

Full Text:

PDF

References


Ardana, Yudhistira. “Faktor Eksternal Dan Internal Yang Mempengaruhi Profitabilitas Bank Syariah Di Indonesia” 13, no. 1 (2018): 51–59.

Bowo, F.A. “Pengaruh Pembiayaan Murabahah Terhadap Profitabilitas.” Studia 1, no. 1 (2014): 1–72.

Hakim, N, and H Rafsanjani. “Pengaruh Internal Capital Adequency Ratio (CAR), Financing To Deposit Ratio (FDR), Dan Biaya Operasional Per Pendapatan Operasional.” 1, no. 1 (2016): 60–74.

Hidayati, A. N. “Pengaruh Inflasi, Bi Rate Dan Kurs Terhadap Profitabilitas Bank Syariah Di Indonesia.” An-Nisbah 1, no. 46 (2014).

Kalengkongan, G. “Tingkat Suku Bunga Dan Inflasi Pengaruhnya Terhadap Return On Asset (ROA) Pada Industri Perbankan Yang Go Public Di Bursa Efek Indonesia.” 1, no. 4 (2013): 737–747.

OJK. Undang-Undang Republik Indonesia No. 21 Tahun 2008 Tentang Perbankan Syariah., 2008.

OJK, Otoritas Jasa Keuangan. Statistik Perbankan Syariah 2018. Statistik Perbankan Syariah. Jakarta, 2018.

Rokhmah, L., and E Komariah. “Pembiayaan Mudharabah Dan Musyarakah Terhadap Profitabilitas Pada Bank Umum Syariah Di Indonesia.” Jurnal Ilmiah MBIA, 16, no. 1 (2017): 11–20.

Yustati, Herlina, and Disfa Lidian. “Strategi Perbankan Syariah Dalam Menyokong Indonesia Menadi Trend Setter Industri Halal” 2, no. 1 (2017): 16–35.




DOI: http://dx.doi.org/10.29300/ba.v5i1.3115

Refbacks

  • There are currently no refbacks.


Copyright (c) 2020 Nur Lailatul Fatmawati, Abdul Hakim

Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

Indexed by:

 


 

 

Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.