Analisis pengaruh faktor makroekonomi dan karakteristik bank terhadap profitabilitas bank syariah di Indonesia

Safira Kurnia Dwinanda () and Achmad Tohirin ()

Jurnal Kebijakan Ekonomi dan Keuangan, 2022, vol. 1, issue 1, 15-26

Abstract: Abstract Purpose – This study aims to analyze the effect of macroeconomic factors and bank characteristics on the profitability of Islamic banks in Indonesia. Methods – This study analyzes ten Islamic commercial banks in Indonesia in the first quarter of 2010 to the second quarter of 2019 using the Panel Data model. Findings – The results of this study indicate that external factors have no effect on the profitability of Islamic banks while internal factors have an influence on the profitability of Islamic banks. Implication – The results of this study have implications for financial ratios as indicators that can measure the extent to which the performance and performance of Islamic banks and Islamic banks need to maintain any increase in operational costs that must be followed by an increase in operating income. Originality – This study analyzes the impact of external and internal bank factors that affect the profitability of Islamic banks in Indonesia and uses a Data Panel approach. Abstrak Tujuan – Penelitian ini bertujuan untuk menganalisis pengaruh faktor makroekonomi dan karakteristik bank terhadap profitabilitas bank syariah di Indonesia. Metode – Penelitian ini menganalisis sepuluh bank umum syariah di Indonesia pada periode kuartal I 2010 sampai dengan kuartal II 2019 dengan menggunakan model Data Panel. Temuan – Hasil penelitian ini menunjukkan bahwa faktor eksternal tidak berpengaruh terhadap profitabilitas Bank Syariah sementara itu faktor internal memiliki pengaruh terhadap profitabilitas Bank Syariah. Implikasi – Hasil penelitian ini berimplikasi terhadap rasio keuangan merupakan indikator yang dapat mengukur sejauh mana performa dan kinerja bank syariah dan Bank syariah perlu menjaga setiap kenaikan biaya operasional yang harus diikuti dengan peningkatan pendapatan operasionalnya. Orisinalitas – Penelitian ini menganalisis dampak faktor eksternal dan internal Bank yang mempengaruhi profitabilitas Bank Syariah di Indonesia dan menggunakan pendekatan Data Panel.

Keywords: Makroekonomi; karakteristik bank; profitabilitas bank; bank syariah (search for similar items in EconPapers)
Date: 2022
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