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All Journal Jurnal Ekonomi Jurnal Ilmiah Ekonomi Islam AT-Tahdzib: Jurnal Studi Islam dan Muamalah Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Review Pendidikan dan Pengajaran (JRPP) Al-Muamalat : Jurnal Ekonomi Syariah
tiara Juliana Jaya
Universitas Islam Negeri Maulana Malik Ibrahim Malang
Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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Journal : Al-Muamalat : Jurnal Ekonomi Syariah

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The Effect of Bank Performance and Macroeconomics on the Profitability of Indonesian Sharia Commercial Banks Sakinah Maulidah Mastniah Amin; Tiara Juliana Jaya
Al-Muamalat: Jurnal Ekonomi Syariah Vol 11, No 1 (2024): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v11i1.34141

Abstract

This study examines the relationship between the profitability of Islamic commercial banks with the functions of Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Operating Expenses and Operating Income (BOPO), inflation, Gross Domestic Product (GDP), and interest rates. This quantitative study's monthly report of Islamic banking and the monthly report of statistical data for 2015-2022 are secondary data sources. A method used is called multiple linear regression analysis. Based on the results of research, CAR and NPF are significantly related to the profitability of Islamic commercial banks. In contrast, the results of BOPO, GDP, inflation, and interest rates have no significant relationship with Islamic commercial banks. ROA simultaneously affects CAR, NPF, BOPO, inflation, GDP, and interest rates. Based on the conclusions of this study. If Islamic banks want to maximize their profitability, they must maintain capital efficiency and stabilize non-performing financing and operational ratios.
Co-Authors Inayatul Maula Mahfudz Mahfudz Mahfudz Reza Fahlevi Misfi Laili Rohmi Nur Laili Fikriah Nur Syamsiyah Roi Anju Immanuel Sakinah Maulidah Mastniah Amin Sandy Tegariyani Putri Santoso Yullina Devvie Sari