Pengaruh Faktor Internal dan Eksternal Terhadap Profitabilitas Pada Bank Syariah di Indonesia

Dedi Supiyadi, Budi S. Purnomo

Abstract


Abstract. This study aims to determine the Internal and External determinant of Sharia banking in Indonesia. The research method used in this study is the explanatory method. We use secondary data obtained from the Indonesian Central Bank and Syria Bank annual reports and then analyze the data using multiple linear regressions. The result of the study shows that Islamic Banks in Indonesia influenced by Credit Risk, Capital Adequacy Ratio, Company Size and Liquidity Risk, the study found that credit risk, liquidity risk had a positive effect while capital adequacy and firm size had a negative effect on the profitability of Sharia Banking in Indonesia.


Abstrak. Tujuan penelitian ini adalah untuk  meneliti  faktor internal dan factor eksternal Bank Syaria di Indonesia. Penelitian ini menggunakan metode explanatory, data berasal dari laporaran tahunan yang di peroleh dari Bank Indonesia maupun Bank Syariah, data kemudian diolah menggunakan analisis regresi berganda. Penelitian menemukan bahwa profitabilitas Bank Syariah di Indonesia dipegaruhi oleh Risiko Kredit, Kecukupan Modal, Ukuran Perusahaan dan Risiko Liquiditas. Hasil penelitian menemukan bahwa Risiko Kredit dan Risiko Liquiditas berpengaruh positif, sementara ukuran perusahaan dan kecukupan modal berpengaruh negatif terhadap profitabilitas Bank Syariah di Indonesia.

 

Kata Kunci: Bank Syariah; Inflasi; Kecukupan Modal; Risiko Kredit; Risiko Liquiditas; Return on Equity; Ukuran Perusahaan.



Keywords


Keywords.Credit Risk; Capital Adequacy Ratio; Inflation; Liquidity Risk; Return on Equity; Sharia Banking; Size.

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References


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DOI: http://dx.doi.org/10.17509/jrak.v7i1.13668

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