Analisis Determinasi Kinerja Keuangan Bank Umum Syariah Di Indonesia (Periode Januari 2016 – November 2020)

Hening Pratika Nila Hapsari, Faiz Hanif Risqulloh

Abstract


Islamic commercial Banks in Indonesia continue to experience improvement because of the better performance level of Islamic banking in Indonesia. The increase in the performance of Islamic commercial banks in Indonesia is also influenced by the role of the people who entrust them to use the banking services they choose, especially customers who invest in the hope of getting profit back. Bank Indonesia has determined that one way to measure bank profitability is the return on assets (ROA). This study uses a quantitative analysis using secondary data types in the form of monthly data for 4 years 11 months, namely Return On Assets (ROA) data which is influenced by BOPO, NPF, NOM, FDR that occurs in Indonesia using the ECM (Error Correction Model). The results in this study are BOPO has a negative and insignificant effect on ROA, NPF has a negative and significant effect on ROA, NOM has a positive and significant effect on ROA, and FDR has a negative and insignificant effect on ROA on Islamic Commercial Banks in Indonesia

Keywords


BOPO;NPF;NOM;FDR;ECM

Full Text:

PDF

References


Basuki, A. T., and Imamuddin Yuliadi. Ekonometrika Teori & Aplikasi. Yogyakarta: Mitra Pustaka Nurani, 2015.

Dendawijaya, Lukman. Manajemen Perbankan. Kedua. Jakarta: Ghalia Indonesia, 2009.

Indonesia, Undang-Undang Republik. Perubahan Atas Undang-Undang No 7 Tahun 1992 Tentang Perbankan, 1998.

Insani, D. S., and M Muflih. “Determinants of Islamic Bank Performance: Evidence from Indonesian Islamic Banking Industry.” In IOP Conference Series: Materials Science and Engineering, 072001. IOP Publishing, 2019.

Lemiyana, L. L., and E. E Litriani. “Pengaruh NPF, FDR, BOPO Terhadap Return On Asset (ROA) Pada Bank Umum Syariah.” I-ECONOMICS: A Research Journal on Islamic Economic 2, no. 1 (2016): 31–49.

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.

Quan, L. J., S. Ramasamy, D. Rasiah, Y. Y. Yen, and S. D. Pillay. “Determinants Of Islamic Banking Performance: An Empirical Study In Malaysia (2007 To 2016).” Humanities & Social Sciences Reviews, 7, no. 6 (2019): 380–401.

Rivai, Veithzal Rivai;, and Arviyan Arifin. Islamic Banking. Ed. 1. Jakarta: Bumi Aksara, 2010.

Sudarsono, Heri. Bank Dan Lembaga Keuangan Syariah. Yogyakarta: Ekonisia, 2008.

Zulifiah, F., and Susilowibowo. “Pengaruh Inflasi, Bi Rate, Capital Adequacy Ratio (CAR), Non Performing Finance (NPF), Biaya Operasional Dan Pendapatan Operasional (BOPO) Terhadap Profitabilitas Bank Umum Syariah Periode 2008-2012.” Jurnal Ilmu Manajemen 2, no. 3 (2012): 759–770.




DOI: http://dx.doi.org/10.29300/ba.v6i2.2808

Refbacks

  • There are currently no refbacks.


Indexed by :