Influence of Internal and external factors the Bank against a Return On Assets of Islamic Banks in Indonesia Public Period 2011-2017
Wardatul Firdaus and Lina Nugraha Rani
University Airlangga
Abstract
This study aims to determine the effect partially and simultaneously the variable capital adequacy ratio, financing to deposit ratio, non-performing financing, operating costs and operating income, asset size, gross domestic product, inflation and BI rate to the profitability of Syariah Commercial Banks in Indonesia period 2011-2017. Profitability measurement using Return On Assets (ROA) This study uses quantitative methods. The analysis technique used is panel data regression analysis. The sampling technique was purposive sampling from the established criteria, obtained by 10 Syariah Commercial Banks consisting of Bank Muamalat Syariah, Bank Syariah Mandiri, Bank Mega Syariah, Bank BRI Syariah, Bank Bukopin Syariah, Bank Panin Syariah, Bank Victoria Syariah, Bank BCA Syariah, Bank BNI Syariah, Bank Maybank Syariah The results of this study indicate that partially the financing to deposit ratio, operating costs and operating income and bi rate variables have a negative and significant effect, variable capital adequacy ratio, non-performing financing and inflation have a positive and non-significant effect, asset size and gross domestic product variables negative and not significant to the profitability of Syariah Commercial Banks in Indonesia. Simultaneously, the variable capital adequacy ratio, financing to deposit ratio, non-performing financing, operating costs and operating income, asset size, gross domestic product, inflation and bi rate have a significant effect on the profitability of Syariah Commercial Banks in Indonesia
Keywords: CAR, FDR, NPF, BOPO, Asset Size, GDP, Inflation and BI Rate, Profitability
Topic: Islamic Finance and Banking