PENGARUH KINERJA KEUANGAN DAN FAKTOR MAKRO EKONOMI TERHADAP PROFITABILITAS BANK SYARIAH

Abstract

This research aimed to examine the effect of financial performance and macro-ecomonic factor on profitability of Shariah banking. While, financial performance was measured by Capital Adequancy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR). Moreover, the macro-ecomonic factor was measured by Inflation, Interest Rates, and Gross Domestic Product (GDP). Furthermore, the profitability was measured by (ROA).The research was quantitative, Meanwhile, the data collection technique used purposive sampling, in which the sample was based on criteria given. In line with, there were 16 samples from 13 Islamic banking companies which were listed on Financial Services Authority 2013-2017. In addition, the data analysis technique used multiple linier regression with SPSS 20.The research result concluded financial performance which was measured by CAR and FDR, did not affect ROA. On the other hand, NPF had affected ROA. While, macro-ecomonic which was measured by Inflation, Interest rates and Gross Domestic Product had no effect on ROA.
Keyword : financial performance, economic macro, profitability