Analisis Pengaruh CAR, NPF, FDR dan Inflasi terhadap Profitabilitas Perbankan Syariah di Indonesia
DOI:
https://doi.org/10.12928/ijiefb.v1i1.285Keywords:
CAR, NPF, FDR, Inflation, ROAAbstract
The increasing number of sharia financial institutions in Indonesia is accompanied by an increase in literature review regarding sharia financial institutions. Renewal of studies related to the development of Islamic finance in Indonesia is important to continue. This study aims to examine the factors that affect the level of profitability of Islamic banking in Indonesia in the latest conditions and the latest data. The approach used is quantitative descriptive. Based on the F test, the f-statistic value obtained was 0.000085 below 0.05 (five percent). In other words, the independent variables including CAR, NPF, FDR, and inflation simultaneously have a significant effect on the dependent variable ROA. Whereas in a formal manner, based on the t-test, the NPF variable has a positive and significant effect on ROA. While the CAR, FDR and inflation variables have no effect on ROA.
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Sumarlin. Analisis pengaruh inflasi, CAR, FDR, BOPO, dan NPF terhadap profitabilitas perbankan syariah. ASSETS. 2016; 6(2): 296-313.
Syachfuddin LA, Rosyidi S. Pengaruh faktor makroekonomi, dana pihak ketiga dan pangsa pembiayaan terhadap profitabilitas industri perbankan syariah di Indonesia tahun 2011-2015. Jurnal Ekonomi Syariah Teori dan Terapan. 2017; 4(12): 977-993.
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Almunawwaroh M, Marliana R. Pengaruh CAR, NPF dan FDR terhadap profitabilitas bank syariah di Indonesia. Amwaluna. 2018; 2(1): 1-17.
Anada MA. Analisis pengaruh CAR, FDR, NPF dan BOPO terhadap ROA bank umum syariah (studi kasus pada bank umum syariah di Indonesia periode 2010–2012). UIN Sumatra Utara; 2013.
Ariyani, D. Analisis Pengaruh CAR, FDR, BOPO dan NPF terhadap profitabilitas pada PT Bank Muamalat Indonesia TBK. Al-Iqtishad. 2010; II(1): 97-124.
Avrita RD, Pangestu IRD. Analisis pengaruh CAR, NPL, LDR, NIM, dan BOPO terhadap profitabilitas bank (perbandingan bank umum go public dan bank umum non go public di Indonesia periode tahun 2011-2014). Diponegoro Journal of Management. 2016; (5)2: 1-13.
Bank Indonesia. Data Laporan Inflasi. [cited: 2018 Oct 29].
____________. Istilah NPF dan NPL. [cited: 2018 Nov 1]. Available from: https://www.bi.go.id/id/Kamus.aspx.
Bank Muamalat Indonesia. Laporan Tahunan 2016. [cited: 2018 Oct 31].
Diknawati DA. Analisis pengaruh CAR, NPF, FDR, dan BOPO terhadap profitabilitas bank umum syariah. STIE Perbanas; 2014.
Fajari S, Sunarto. Pengaruh CAR, LDR, NPL, BOPO terhadap profitabilitas bank (studi kasus perusahaan perbankan yang tercatat di Bursa Efek Indonesia periode tahun 2011 sampai 2015). In: Prosiding Seminar Nasional Multi Disiplin Ilmu &Call For Papers Unisbank Ke-3 (Sendi_U 3). Unisbank; 2017. P. 853-862.
Khasanah U. Pengaruh CAR, NPF, BOPO, FDR dan inflasi terhadap return on asset (ROA) pada bank umum syariah di Indonesia periode 2012-2016. IAIN Salatiga; 2017.
Otoritas Jasa Keuangan. Laporan Statistik Perbankan Syariah: Data CAR, NPF, FDR dan ROA. [cited: 2018 Oct 31].
Perdanasari PY. Analisis pengaruh CAR, NPF, FDR, BOPO, BI RATE dan inflasi terhadap tingkat profitabilitas perbankan syariah di Indonesia periode 2011-2017. Universitas Islam Indonesia; 2017.
Sari MD, Bahari Z, Hamat Z. Perkembangan perbankan syariah di Indonesia: suatu tinjauan. Jurnal Aplikasi Bisnis. 2013; 3(2): 120-138.
Sudarmawanti E, Pramono J. Pengaruh CAR, NPL, BOPO, NIM dan LDR terhadap ROA: studi kasus pada Bank Perkreditan Rakyat di Salatiga yang terdaftar di Otoritas Jasa Keuangan tahun 2011-2015. Among Makarti. 2017; 10(19): 1-18.
Sukirno S. Makroekonomi Teori Pengantar. Jakarta: Rajagrafindo; 2012.
Sumarlin. Analisis pengaruh inflasi, CAR, FDR, BOPO, dan NPF terhadap profitabilitas perbankan syariah. ASSETS. 2016; 6(2): 296-313.
Syachfuddin LA, Rosyidi S. Pengaruh faktor makroekonomi, dana pihak ketiga dan pangsa pembiayaan terhadap profitabilitas industri perbankan syariah di Indonesia tahun 2011-2015. Jurnal Ekonomi Syariah Teori dan Terapan. 2017; 4(12): 977-993.
Welta F, Lemiyana. Pengaruh CAR, inflasi, nilai tukar terhadap profitabilitas pada bank umum syariah. I-Finance. 2017; 1(1): 85-100.
Widarjono A. Ekonometrika: pengantar dan aplikasinya disertai panduan eviews. Edisi Keempat. Yogyakarta: UPP STIM YKPN; 2013. 1-378.
Widyaningrum L, Septiarini DF. Pengaruh CAR, NPF, FDR, dan OER terhadap ROA pada bank pembiayaan rakyat syariah di Indonesia periode januari 2009 hingga Mei 2014. JESTT. 2015; 2(12): 970-985.
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2019-04-02
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