Profitabilitas pada perbankan syariah di Indonesia: Studi pengaruh faktor internal dan eksternal


Indri Yaumil Fadila(1*), Dadang Hermawan(2)

(1) Politeknik Negeri Bandung, Indonesia
(2) Politeknik Negeri Bandung, Indonesia
(*) Corresponding Author

Abstract


The purpose of this study is to find out and analyze internal factors and external factors of Islamic banking that can affect the profitability of Islamic Banking both simultaneously and partially. The dependent variable used in this study is income
smoothing which is proxied by Profitability which is proxied by the Return On Assets (ROA), while the independent variables in this study are Capital Adequacy proxied by the Capital Adequacy Ratio (CAR), Finance Risk proxied by Non Performing Finance (NPF), Inflation, and BI Rate. This research was conducted at Sharia Commercial Banks in Indonesia for the period 2015. The population in this study is Islamic banking in Indonesia and the sample used is Sharia Commercial Banks in Indonesia, which until 2019 amounted to 14 banks. The type of data used is secondary data that is data from the been published by Otoritas Jasa Keuangan. The type of data used is secondary data obtained from twww.ojk.com and www.bi.go.id. The analysis technique used in this study is Multiple Regression analysis using the SPSS 22 program tool.

Kata kunci: Capital Adequacy Ratio, Non Perfoming Finance, Return On Asset, Inflation BI rate


Keywords


Capital Adequacy Ratio, Non Perfoming Finance, Return On Asset, Inflation BI rate

Full Text:

Download (PDF)

References


Almunawwaroh, M., & Marliana, R. (2018). Pengaruh CAR, NPF DAN FDR Terhadap Profitabilitas Bank Syariah di Indonesia. Jurnal Ekonomi dan Keuangan Syariah Vol. 2 No. 1, 1-8.

Alsharari, N. M., & Alhmoud, T. R. (2017). The determinants of profitability in Sharia-compliant corporations: evidence from Jordan. . Journal Islamic Accounting and Business Research Vol. 10 No. 4.

Brigham, Eugene, & Houston, J. F. (2014). Dasar-Dasar Manajemen Keuangan. Jakarta: Salemba Empat.

Dendawijaya, L. (2009). Manajemen Perbankan. Jakarta: Ghalia Indonesia.

Ekaputri, C. (2014). Tata Kelola, Kinerja Rentabilitas, Dan Risiko Pembiayaan. Journal of Business and Banking, Vol. 4 No. 1, 94-104.

Ghozali, I. (2013). Aplikasi Analisis Multivariatite dengan program IBM SPSS 21 Update PLS Regresi.

Semarang: Badan Penerbit Universitas Diponegoro.

Hanania, L. (2015). Faktor Internal Dan Eksternal Yang Mempengaruhi Profitabilitas Perbankan

Syariah Dalam Jangka Pendek Dan Jangka Panjang. Perbanas Review, Vol. 1 No. 1, 151-168.

Harahap, S. S. (2013). Analisis Kritis Atas Laporan Keuangan. Jakarta: Jakarta Rajawali Press.

Hidayati, A. N. (2014). Pengaruh Inflasi, Bi Rate Dan Kurs Terhadap Profitabilitas Bank Syariah Di

Indonesia. AN-NISBAH, Vol 1 No. 1, 72-97.

Hijriyani, N. Z., & Setiawan. (2017). Analisis Profitabilitas Perbankan Syariah Di Indonesia Sebagai

Dampak Dari Efisiendi Operasional. Jurnal Kajian Akuntansi, Vol 1, (2), 194-209.

Karim, A. A. (2006). Bank Islam: Analisis Fiqih dan Keuangan. Jakarta: PT Raja Grafindo Persada.

Kasmir. (2016). Analisis Laporan Keuangan. Jakarta: PT Raja Grafindo Persada.

Lestari, H. T., Setiawan, S., & Tripuspitorini, F. A. (2020). Risk Profile, Good Corporate Governance,

Earning, dan Capital dalam Memprediksi Financial Distress pada Bank Umum Syariah di Indonesia. JAE (Jurnal Akuntansi dan Ekonomi), 5(2), 100-111.

Masood, O., & Ashraf, M. (2012). Bank specific and macroeconomic profitability determinants of

Islamic banks: The case of different countries. . Qualitative Research in Financial Markets, Vol. 4,

-268.

Mokoagow, S. W., &Fuady, M.(2015). Faktor-Faktor yang Mempengaruhi Profitabilitas BankUmum

Syariah di Indonesia. Jurnal EBBANK, Vol.6 No.1, 33-62.

Muhamad. (2009). Modul Short Course Bank Syariah. Yogyakarta: STEI.

Murni, A. (2016). Ekonomi Makro. Bandung: PT Refika Aditama.

Nur'aeni, N, Setiawan, S. (2020). Third Party Funds and Non-Performing Financing for Mudharabah

Financing in Indonesia's Sharia Banking. International Journal of Business, Economics, and Social

Development, 1(4), 178-184.

Nusantara, A. B. (2009). Analisis Pengaruh NPL, CAR, LDR, dan BOPO. Semarang: FE UNDIP.

Pratami, A. F. (2021). Pengaruh CAR, LDR, dan Inflasi terhadap ROA pada Bank Umum yang

Terdaftar di BEI. Indonesian Journal of Economics and Management, 1(2), 410-418.

Sahara, A. Y. (2013). Analisis Pengaruh Inflasi, Suku Bunga Bi, Dan Produk Domestik Bruto Terhadap

Return On Asset (Roa) Bank Syariah Di Indonesia. Jurnal Ilmu Manajemen, Vol. 1 No. 1, 149-157.

Said, M., & Ali, H. (2016). An analysis on the factors affecting profitability level of Sharia Banking in

Indonesia. Journal Bank and Bank System, Vol. 11 No. 2, 28-36.

Saidah, S. H., & Mauluddi, H. A. (2018). Bank Muamalat Indonesia Profitability Analys: Study Of The

Effects Capital, Asset Quality, Earning And Liquidity. Jurnal Ekonomi dan vBisnis Terapan, Volume 14, No. 1, v69-81.

Santoso, S. (2012). Panduan Lengkap SPSS Versi 20. Jakarta: PT Elex Media.

Setyowati, D. H. (2019). Pengaruh Efisiensi Operasional Terhadap Return On Asset Pada Bank Umum Syariah Di Indonesia. Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 4, No. 2, 39-53.

Simatupang, A.,& Franzlay, D. (2016). Capital Adequacy Ratio (CAR), Non Perfoming Finance (NPF), Efisiensi Operasional (BOPO) dan Financing to Deposit Ration (FDR) Terhadap Profitabilitas Bank Umum Syariah di Indonesia. Jurnal Aministrasi Kantor, Vol. 4, No. 2, 466-485.

Sugiyono. (2017). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung: Alfabeta.

Syah, T. A. (2018). Pengaruh Inflasi, Bi Rate, Npf, Dan Bopo Terhadap Profitabilitas Bank Umum

Syariah Di Indonesia. Jurnal Ekonomi Islam | Islamic EconomicsJournal, Vol. 6 No. 1, 133-153.

Tripuspitorini, F. A., & Setiawan, S. (2020). Pengaruh faktor makroekonomi terhadap pertumbuhan

dana pihak ketiga pada bank umum syariah di Indonesia. Jurnal Riset Akuntansi dan Keuangan,

(1), 121-132.

Wibisono, M. Y., & Wahyuni, S. (2017). Pengaruh Car, Npf, Bopo, Fdr, Terhadap Roa Yang Dimediasi

Oleh Nom. Jurnal Bisnis & Manajemen, Vol. 17 No. 1, 41-62.

Wibowo, E. S., & Syaichu, M. (2014). Analisis Pengaruh Suku Bunga,Inflasi, Car, Bopo, Npf Terhadap

Profitabilitas Bank Syariah. Diponegoro Journal Of Management, Vol. 2 No. 2, 1-10.

Otoritas Jasa Keuangan. (2019). Statistik Perbankan Syariah di

https://www.ojk.go.id/id/kanal/syariah/data-dan-statistik/statistik-perbankan syariah/default.aspx (diakses pada 12 November 2019).

Bank Indonesia. (2019). Laporan Inflasi (Indeks Harga Konsumen).

https://www.bi.go.id/id/moneter/inflasi/data/Default.aspx (diakses pada 12 November 2019).

Bank Indonesia (2004). Peraturan Perbankan 2004. https://www.bi.go.id/id/peraturan/arsip peraturan/Contents/Perbankan-2004.aspx (diakses pada 18 November 2019).

Bank Indonesia. (2017). Surat Edaran Bank Indonesia No.9/24/DPNP/2007. https://www.bi.go.id

(diakses pada 18 November 2019).

Bank Indonesia. (2004). Surat Edaran Bank Indonesia No.6/23/DPNP/2004 https://www.bi.go.id

(diakses pada 18 November 2019).

Bank Indonesia. (2010). Surat Edaran Bank Indonesia No. 12/11/DPNP/2010 https://www.bi.go.id

(diakses pada 19 November 2019)

Bank Indonesia. (2017). Suku Bunga Bank Indoneia. https://www.bi.go.id (diakses pada 20

November 2019)




DOI: https://doi.org/10.15575/.v1i1.13145

Refbacks

  • There are currently no refbacks.


Copyright (c) 2021 Indri Yaumil Fadila and Dadang Hermawan

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

------------------------------------------------------------------------------------------------------------------------------------------------------

Indexing:

google scholar moraref morarefDOAJ