FAKTOR YANG MEMPENGARUHI PROFITABILITAS PERBANKAN SYARIAH DI INDONESIA
Main Article Content
Abstract
Perbankan syariah di Indonesia telah menunjukkan trennya yang positif, bahkan lembaga
tersebut harus memiliki pondasi yang kuat untuk mempertahankan kemampuannya agar
dapat bersaing dengan perbankan syariah lainnya untuk mendapatkan profitabilitas yang
diharapkan. Kesuksesan tersebut dilihat dari banyak faktor salah satunya berdasarkan
performan perbankan syariah itu sendiri. Penelitian ini bertujuan untuk menganalisis NPF,
FDR, CAR, dan BOPO sebagai variabel independen dan ROA sebagai variabel dependen. Jenis
penelitian yang digunakan menggunakan data kuantitatif dengan menggunakan data panel
sejak periode 2010-2017 dengan menggunakan metode random effect. Hasil menunjukkan
vahwa variabel NPF, CAR, dan BOPO berpengaruh signifikan terhadap ROA, sedangkan FDR
tidak berpengaruh terhadap ROA.
Article Details
How to Cite
Tamimah, T. (2020). FAKTOR YANG MEMPENGARUHI PROFITABILITAS PERBANKAN SYARIAH DI INDONESIA. Jurnal Syarikah : Jurnal Ekonomi Islam, 6(1), 104–113. https://doi.org/10.30997/jsei.v6i1.2175
Section
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References
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Amzal , C. (2016). The Impact of Macroeconomic Variables on
Indonesia Islamic Banks Profitability. Jurnal Ekonomi dan Bisnis , 71-86.
Artha, I., & Mulyana, B. (2018). The Effect of Internal and External Factors of Companies on Profitability and its Implications on Stock Price Index of State Owned Banks . The Economics
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Broome, T., Moore, J., & Winston. (2009). Liquidity and the Firm Size-Growth Nexus in Barbados . he Annual Review Seminar Research Department Central Bank of, 1-16.
Farandy, A. R., Suwito, D. A., & Dabutar, L. K. (2017). Eficiency of Islamic Banks in Indonesia: Data Envelopment Analysis. International Journal of Economics, Management and Accounting , 337-354.
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Hakiim, N., & Rafsanjani, H. (2016). Pengaruh Internal Capital
Adequency Ratio (CAR), Financing to Deposit Ratio (FDR), dan biaya Operasional Per Pendapatan Operasional (BOPO) dalam
Peningkatan Profitabilitas Industri Bank Syariah di Indonesia. Jurnal Perbankan Syariah, 60-74.
Harianto , S. (2017). Rasio Keuangan dan Pengaruhnya Terhadap
Profitabilitas pada Bank Pembiayaan Rakyat Syariah Indonesia . Jurnal Bisnis dan Manajemen , 41-48.
Hazrati Havidz, S. A., & Setiawan, C. (2015).Bank Eficiency and Non PerformingFinancing (NPF) in the InonesiaIslamic Banks . Asian Journal of Economic Modelling , 61-79.
Husaeni, U. A., Jamil, I., & Riadi, A. S. (2013). Analysis of the Effect Third Party Funds and Non Performing Financing toward Return on Assets of Sharia Rular Bank (BPRS) in Indonesia in the Year 2014 to June 2016.
Jatmiko, U., Srikalimah, & Fitryanto, D. (2017). Effect of Capital Adequacy and non Performing Financing on Return on Asset in PT Bank Rakyat Indonesia (BRI) Syariah Period 2012-2016. International Journal Of Social Science And Business, 222-228.
Kusa, V. O., & Berhanu, G. (2013). Determinants of Financial
Performance of Commercial Banks in Kenya. International Journal of Economics and Financial Issues , 237-525.
Mawadah, N. (2015). Factors Affecting Profitability of Bank Syariah.
Economy, 241-256.
Nahar, F. H., & Prawoto, N. (2017). Bank's Profitability in Indonesia: Case Study of Islamic Banks Period 2008-2012.
Jurnal Ekonomi & Studi Pembangunan , 164-172.
Nurismalatri. (2019). Shariah Banks Performance in Indonesia: A panel Model Aproach. Jurnal Sekuritas , 45-54.
OJK. (2018). Statistik Perbankan Syariah.Jakarta: Otoritas Jasa Keuangan .
Purnamasari, G. Y., & Ariyanto, D. (2016). Analisis Perbandingan Kinerja Keuangan Bank Konvensional dan Bank Syariah Periode 2010-2014. EJurnal Akuntansi , 82-110.
Riadi, S. (2018). The effect of Third Parties Fund, Non Performing Loan, Capital Adequacy Ratio, Loan to Deposit Ratio, Return On Assets, Net Interest Margin and Operating Expenses Operating Income on Lending (Study in Regional Development Banks in
Indonesia) . Proceedings of the International Conference on
Industrial Engineering and Operations Management , 10161026.112
Tamimah Analisis Faktor-Faktor yang Mempengaruhi Profitabilitas
Rosiana , D., & Triaryati, N. (2016). Studi Komaparatif Kinerja Keuangan Pada Bank Konvensional dan Bank Syariah di Indonesia. E-Jurnal Manajemen Unud, 956-984.
Said, M., & Ali, H. (2016). An analysis on the factors affecting profitability level of Sharia banking in Indonesia. Banks
and Bank Systems , 28-36.
Said, M., & Ali, H. (2016). An analysis on the factors affecting profitability level of Sharia banking in Indonesia. Banks
and Bank Systems, 28-36.
Sitompul , S., & Nasution, S. K. (2019). The Effect of Car, BOPO, NPF, and FDR on Profitability of Sharia Commercial Banks in Indonesia . Budapest International Research and Critics Institute-Journal (BIRCI-Journal) , 234-238.
Sriyana, J. (2015). Islamic Bank's Profitability Amid The Competitive Financing in Indonesia . IJABER, 1695-1710.
Suartini, S., Sulistyo, H., & Indrianti, W. (2018). The Effect of on Performing Financing, Financing to Deposit Ratio and Operating Expense to Operating Income Ratio (BOPO) to Profitability. Afebi Economic and Finance Review , 69-83.
Suhartatik , N., & Kusumaningtias. (2013). Determinants of Financing to Deposit Ratio of Islamic Banking in Indonesia. Journal of Management Department, 1-11.
Sukamana, R., & Febriyanti, N. (2016). Islaimic Bank vs Conventional Banks in Indonesia: An Analysis on
Financial Performances . Jurnal Pengurusan , 81-90.
Sulistyo, H., & Indrianti, W. (2018). The Effect of on Non Performing Finance, Financing to Deposit Ratio and Operating Expense to Operating income Ratio (BOPO) to Profitability (Case Study in Bank of Sharia Listed in Indonesia Stock Exchange Period
2014-2016). AFEBI Economic and Finance Review (AEFR), 69-83.
Syaichu, & Wibowo. (2013). Analisis Penegaruh Suku Bunga, Inflasi, CAR, BOPO, NPF terhadap Profitabilitas Bank Syariah. Journal Accounting, 1-10.
Wahyuningsih , Oemar, & Suprijanto. (2015). Pengaruh car, NPF, FDR, BOPO, DAN GWM terhadap Laba Pusahaan (ROA) pada Bank Umum Syariah di Indonesia . Journal of
Accounting , 9-17.
Wardana , & Widyarti. (2015). Analisis Pengaruh CAR, FDR, NPF, BOPO, dan Size terhadap Profitabilitas pada Bank Umum Syariah di Indonesia. Journal of Management, 1-12.
Wibowo, E. S. (2013). Analisis Pengaruh Suku Bunga, Inflasi, CAR, BOPO, dan NPF terhadap Profitabilitas Bank Syariah . Diponegoro Journal of Accounting, 1-10.
Winarso, E., & Salim, I. A. (2017). The Influence of Risk Management to the Return on Asset (ROA) Banking Sector (Case Study of Bank in Indonesia Listed in Indonesia Stock Exchange). Advances in Economics and Business , 382-393.
Yasin, A. (2018). Analisis Faktor-Faktor Yang Mempengaruhi Non
Performing Financing (Npf) Di Industri Bank Pembiayaan Rakyat
(Bpr) Syariah Di Indonesia. Akrual Jurnal Akuntansi, 205-225.
Yusuf, M., & Surjaatmadja, S. (2018). Analysis of Financial Performance on Profitability with Non Performance
Financing as Variable Moderation (Study at Sharia Commercial Bank in Indonesia Period 2012–2016). International Journal of Economics and Financial Issues , 126-132.
Yusuf, M., & Surjaatmadja, S. (2018). Analysis of Financial Performance on Profitability with Non Performance
Financing as Variable Moderation (Study at Sharia Commercial Bank in Indonesia Period 2012–2016) . International Journal of Economics and Financial Issues, 126-132.
Zulifiah, F., & Susilowibowo, J. (2014). Pengaruh Inflasi, BI Rate, Capital Eduquancy Ratio (CAR), Non Performing Finance (NPF), Biaya Operasional dan Pendapatan Operasional (BOPO) terhadap
Profitabilitas Bank Umum Syariah Periode 2008-2012. Jurnal Ilmu
Manajemen, 759-770
Almunawwaroh, M., & Marliana, R. (2018). Pengaruh CAR, NPF, dan FDR terhadap Profitabilitas Bank Syariah di Indonesia. Jurnal Ekonomi dan Keuangan Syariah , 1-18.
Amelia, E. (2015). Financial Ratio and Its Influence to Profitability in Islamic Bank . Al-Iqtishad , 229-240.
Amzal , C. (2016). The Impact of Macroeconomic Variables on
Indonesia Islamic Banks Profitability. Jurnal Ekonomi dan Bisnis , 71-86.
Artha, I., & Mulyana, B. (2018). The Effect of Internal and External Factors of Companies on Profitability and its Implications on Stock Price Index of State Owned Banks . The Economics
and Finance Letters, 58-71.
Broome, T., Moore, J., & Winston. (2009). Liquidity and the Firm Size-Growth Nexus in Barbados . he Annual Review Seminar Research Department Central Bank of, 1-16.
Farandy, A. R., Suwito, D. A., & Dabutar, L. K. (2017). Eficiency of Islamic Banks in Indonesia: Data Envelopment Analysis. International Journal of Economics, Management and Accounting , 337-354.
Farandy, A. R., Suwito, D. A., & Dabutar, L. K. (2017). Eficiency of Islamic Banks Indonesia: Data Envelopment Analysis. International Journal of Economics, Management and Accounting 25, 337-354.
Hakiim, N., & Rafsanjani, H. (2016). Pengaruh Internal Capital
Adequency Ratio (CAR), Financing to Deposit Ratio (FDR), dan biaya Operasional Per Pendapatan Operasional (BOPO) dalam
Peningkatan Profitabilitas Industri Bank Syariah di Indonesia. Jurnal Perbankan Syariah, 60-74.
Harianto , S. (2017). Rasio Keuangan dan Pengaruhnya Terhadap
Profitabilitas pada Bank Pembiayaan Rakyat Syariah Indonesia . Jurnal Bisnis dan Manajemen , 41-48.
Hazrati Havidz, S. A., & Setiawan, C. (2015).Bank Eficiency and Non PerformingFinancing (NPF) in the InonesiaIslamic Banks . Asian Journal of Economic Modelling , 61-79.
Husaeni, U. A., Jamil, I., & Riadi, A. S. (2013). Analysis of the Effect Third Party Funds and Non Performing Financing toward Return on Assets of Sharia Rular Bank (BPRS) in Indonesia in the Year 2014 to June 2016.
Jatmiko, U., Srikalimah, & Fitryanto, D. (2017). Effect of Capital Adequacy and non Performing Financing on Return on Asset in PT Bank Rakyat Indonesia (BRI) Syariah Period 2012-2016. International Journal Of Social Science And Business, 222-228.
Kusa, V. O., & Berhanu, G. (2013). Determinants of Financial
Performance of Commercial Banks in Kenya. International Journal of Economics and Financial Issues , 237-525.
Mawadah, N. (2015). Factors Affecting Profitability of Bank Syariah.
Economy, 241-256.
Nahar, F. H., & Prawoto, N. (2017). Bank's Profitability in Indonesia: Case Study of Islamic Banks Period 2008-2012.
Jurnal Ekonomi & Studi Pembangunan , 164-172.
Nurismalatri. (2019). Shariah Banks Performance in Indonesia: A panel Model Aproach. Jurnal Sekuritas , 45-54.
OJK. (2018). Statistik Perbankan Syariah.Jakarta: Otoritas Jasa Keuangan .
Purnamasari, G. Y., & Ariyanto, D. (2016). Analisis Perbandingan Kinerja Keuangan Bank Konvensional dan Bank Syariah Periode 2010-2014. EJurnal Akuntansi , 82-110.
Riadi, S. (2018). The effect of Third Parties Fund, Non Performing Loan, Capital Adequacy Ratio, Loan to Deposit Ratio, Return On Assets, Net Interest Margin and Operating Expenses Operating Income on Lending (Study in Regional Development Banks in
Indonesia) . Proceedings of the International Conference on
Industrial Engineering and Operations Management , 10161026.112
Tamimah Analisis Faktor-Faktor yang Mempengaruhi Profitabilitas
Rosiana , D., & Triaryati, N. (2016). Studi Komaparatif Kinerja Keuangan Pada Bank Konvensional dan Bank Syariah di Indonesia. E-Jurnal Manajemen Unud, 956-984.
Said, M., & Ali, H. (2016). An analysis on the factors affecting profitability level of Sharia banking in Indonesia. Banks
and Bank Systems , 28-36.
Said, M., & Ali, H. (2016). An analysis on the factors affecting profitability level of Sharia banking in Indonesia. Banks
and Bank Systems, 28-36.
Sitompul , S., & Nasution, S. K. (2019). The Effect of Car, BOPO, NPF, and FDR on Profitability of Sharia Commercial Banks in Indonesia . Budapest International Research and Critics Institute-Journal (BIRCI-Journal) , 234-238.
Sriyana, J. (2015). Islamic Bank's Profitability Amid The Competitive Financing in Indonesia . IJABER, 1695-1710.
Suartini, S., Sulistyo, H., & Indrianti, W. (2018). The Effect of on Performing Financing, Financing to Deposit Ratio and Operating Expense to Operating Income Ratio (BOPO) to Profitability. Afebi Economic and Finance Review , 69-83.
Suhartatik , N., & Kusumaningtias. (2013). Determinants of Financing to Deposit Ratio of Islamic Banking in Indonesia. Journal of Management Department, 1-11.
Sukamana, R., & Febriyanti, N. (2016). Islaimic Bank vs Conventional Banks in Indonesia: An Analysis on
Financial Performances . Jurnal Pengurusan , 81-90.
Sulistyo, H., & Indrianti, W. (2018). The Effect of on Non Performing Finance, Financing to Deposit Ratio and Operating Expense to Operating income Ratio (BOPO) to Profitability (Case Study in Bank of Sharia Listed in Indonesia Stock Exchange Period
2014-2016). AFEBI Economic and Finance Review (AEFR), 69-83.
Syaichu, & Wibowo. (2013). Analisis Penegaruh Suku Bunga, Inflasi, CAR, BOPO, NPF terhadap Profitabilitas Bank Syariah. Journal Accounting, 1-10.
Wahyuningsih , Oemar, & Suprijanto. (2015). Pengaruh car, NPF, FDR, BOPO, DAN GWM terhadap Laba Pusahaan (ROA) pada Bank Umum Syariah di Indonesia . Journal of
Accounting , 9-17.
Wardana , & Widyarti. (2015). Analisis Pengaruh CAR, FDR, NPF, BOPO, dan Size terhadap Profitabilitas pada Bank Umum Syariah di Indonesia. Journal of Management, 1-12.
Wibowo, E. S. (2013). Analisis Pengaruh Suku Bunga, Inflasi, CAR, BOPO, dan NPF terhadap Profitabilitas Bank Syariah . Diponegoro Journal of Accounting, 1-10.
Winarso, E., & Salim, I. A. (2017). The Influence of Risk Management to the Return on Asset (ROA) Banking Sector (Case Study of Bank in Indonesia Listed in Indonesia Stock Exchange). Advances in Economics and Business , 382-393.
Yasin, A. (2018). Analisis Faktor-Faktor Yang Mempengaruhi Non
Performing Financing (Npf) Di Industri Bank Pembiayaan Rakyat
(Bpr) Syariah Di Indonesia. Akrual Jurnal Akuntansi, 205-225.
Yusuf, M., & Surjaatmadja, S. (2018). Analysis of Financial Performance on Profitability with Non Performance
Financing as Variable Moderation (Study at Sharia Commercial Bank in Indonesia Period 2012–2016). International Journal of Economics and Financial Issues , 126-132.
Yusuf, M., & Surjaatmadja, S. (2018). Analysis of Financial Performance on Profitability with Non Performance
Financing as Variable Moderation (Study at Sharia Commercial Bank in Indonesia Period 2012–2016) . International Journal of Economics and Financial Issues, 126-132.
Zulifiah, F., & Susilowibowo, J. (2014). Pengaruh Inflasi, BI Rate, Capital Eduquancy Ratio (CAR), Non Performing Finance (NPF), Biaya Operasional dan Pendapatan Operasional (BOPO) terhadap
Profitabilitas Bank Umum Syariah Periode 2008-2012. Jurnal Ilmu
Manajemen, 759-770