Cakrawala: Jurnal Studi Islam
Vol 13 No 1 (2018)

Faktor Eksternal dan Internal yang Mempengaruhi Profitabilitas Bank Syariah di Indonesia

Ardana, Yudhistira (Unknown)

Article Info

Publish Date
30 Jun 2018


This study aims to determine the influence of external factors (inflation and BI rate) and internal (CAR, REO, FDR, and NPF) on the level of profitability of sharia banks in Indonesia as measured by ROA. The data used in this study is the data of Sharia Commercial Bank and Sharia Business Unit in Indonesia from 2011 to 2018 using monthly data. This research uses error correction model which is commonly abbreviated as ECM. The results show that the external and internal variables together significantly influence the ROA variable. Individually, CAR, NPF and Inflation variables have no significant effect on ROA, while FDR and REO variables in both short and long term have significant effect on ROA. BI rate in this study has no significant effect on ROA in the short term, but has a significant effect on ROA variable in the long term

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Religion Education


CAKRAWALA is a scientific journal of Islamic studies managed by the Faculty of Islamic Studies, Universitas Muhammadiyah Magelang. This journal is issued twice a year and it is a tool for researchers, academics, and practitioners who are interested in the field of Islamic Studies and wished to ...