The impact of macro economy toward profitability of Islamic bank

Tumewang, Yunice Karina; Isnaini, Rindang Nuri; Musta’in, Jannatul Liutammima

doi:10.20885/ajim.vol1.iss2.art4

Cited by 13 publications

(17 citation statements)

References 3 publications

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“…Berdasarkan penelitian sebelumnya, faktor internal atau faktor spesifik bank yang mempengaruhi ROA bank syariah antara lain ukuran bank, stabilitas keuangan, capital adequacy ratio (CAR), non performing finance (NPF), financial debt ratio (FDR), rasio biaya operasional dengan pendapatan operasional (BOPO), dana pihak ketiga (DPK), pembiayaan mudharabah (PMD) dan pembiayaan murabahah (PMB), SBIS, dan Giro Wajib Minimum (GWM) (Nasution, 2020;Fatmawati & Hakim, 2020;Anggraini, 2019;Alharbi, 2017;Hanania, 2015;Ubaidillah, 2016;Yundi & Sudarsono, 2018;Sudarsono, 2017). Sedangkan faktor ekternal atau faktor ekonomi makro yang mempengaruhi ROA adalah pertumbuhan ekonomi (GDP), inflasi (INF), tingkat bunga (BI Rate) dan nilai tukar (Tumewang et al, 2019;Sumarlin, 2016;Ardana, 2018;Alim, 2014;Sahara, 2013) Penelitian ini mencoba menganalisa tingkat profitabilitas berdasarkan kinerja keuangan bank syariah selama 5 tahun terakhir. Model penelitian ini disusun berdasarkan pada sejumlah penelitian sebelumnya tentang profitabilitas selama 10 tahun terakhir.…”

Section: Gambar 1 Perkembangan Roa Bank Syariah DI Indonesiaunclassified

“…Artinya kenaikan BI Rate akan menurunkan nilai pembiayaan bank syariah yang akhirnya akan menurunkan profitabilitas (AlHarbi, 2017). Tumewang, et al (2019), Hanania (2015), Alim (2014) dan, Sahara, (2013) menemukan hubungan negatif antara tingkat bunga dengan profitabilitas, sedangkan Wibowo dan Syaichu (2013) menemukan bahwa tingkat bunga tidak berpengaruh terhadap profitabilitas.…”

Section: Bi Rateunclassified

“…Akhirnya, pengusaha akan kesulitan membayar kewajibannya kepada bank sehingga menurunkan profitabilitas bank. Keadaan ini sejalan dengan penelitian Widarjono (2020) dan Tumewang et al (2019) menemukan hubungan negatif antara inflasi dengan profitabilitas. Di lain pihak Ardana (2018) dan Alim (2014) menemukan bahwa inflasi tidak berpengaruh terhadap profitabilitas.…”

Section: Inflasiunclassified

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Analisis Profitabilitas Bank Syariah Di Indonesia: Pendekatan Autoregressive Distributed Lag (ARDL)

Dewi

Sudarsono²

2021

Al-Mashrafiyah

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This study aims to analyze the factors that affect the profitability of Islamic Commercial Banks in Indonesia. The dependent variable in this study is Return on Assets (ROA), while the independent variables include CAR, NPF, FDR, BOPO, DPK, mudharabah financing, murabahah financing, BI Rate, and inflation. The research period was from January 2015 to July 2020 using the Autoregressive Distributed Lag (ARDL) approach. This study found that in the short term NPF, FDR, BOPO, DPK, mudharabah financing, murabahah financing, and inflation are significant variables on profitability. Meanwhile, in the long term, the variables that are significant to profitability include CAR, BOPO, DPK, and BI Rate. Mudharabah and BOPO financing are the variables that have the biggest influence on profitability. Therefore, Islamic bank management needs to pay attention to the risk of financing using a profit-sharing scheme. In addition, management needs to maintain the level of bank efficiency by taking into account the use of funds to meet operational expense. ABSTRAK Penelitian ini bertujuan untuk menganalisis faktor-faktor yang yang mempengaruhi profitabilitas bank syariah di Indonesia. Penelitian ini mengunakan Return on Asset (ROA) sebagai variable dependen, sedangkan variabel independen antara lain, CAR, NPF, FDR, BOPO, DPK, pembiayaan mudharabah, pembiayaan murabahah, BI Rate, dan inflasi. Periode penelitian dari Januari 2015 hingga Juli 2020 dengan mengunakan pendekatan Autoregressive Distributed Lag (ARDL). Penelitian ini menemukan bahwa dalam jangka pendek NPF, FDR, BOPO, DPK, pembiayaan mudharabah, pembiayaan murabahah, dan inflasi merupakan variabel yang signifikan terhadap profitabilitas. Sedangkan dalam jangka panjang, variabel yang signifikan terhadap profitabilitas meliputi CAR, BOPO, DPK, dan BI Rate. Pembiayaan mudharabah dan BOPO merupakan variabel yang paling berpengaruh terhadap profitabilitas. Oleh karenanya, manajemen bank syariah perlu memperhatikan risiko pada pembiayaan yang mengunakan skema bagi hasil.

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Section: Gambar 1 Perkembangan Roa Bank Syariah DI Indonesiaunclassified

Section: Bi Rateunclassified

Section: Inflasiunclassified

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Analisis Profitabilitas Bank Syariah Di Indonesia: Pendekatan Autoregressive Distributed Lag (ARDL)

Dewi

Sudarsono²

2021

Al-Mashrafiyah

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“…Research by Djalilov and Piesse (2016), Lee et al (2015), Sudarsono (2017b), Zarrouk et al (2016) found a negative relationship between inflation (INF) and profitability. While Aslam and Ijaz (2016), Chokri and Anis (2018), Fithria (2018), and Tumewang et al (2019) find that inflation does not statistically affect bank's profitability. The hypothesis of the relationship between the growth rate and the inflation rate on the profitability of a BPRS can be arranged as follows:…”

Section: Literature Reviewmentioning

confidence: 83%

Do stability and size affect the profitability of Islamic rural bank in Indonesia?

Sudarsono

Afriadi

Suciningtias

2021

JEKI

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Purpose -This study aims to analyze the effect of stability, size, financial performance and macroeconomic variables on the profitability of Islamic Rural Banks (BPRS) in Indonesia.Methodology -This study uses panel data consisting of 82 BPRS from December 2012 to December 2018. This study uses a dynamic model using GMM (General Method of Moments) developed by Arellano & Bover (1995) and Blundell & Bond (1998). GMM is used to describe the actual conditions in the analysis of profitability of Islamic Rural Banks.Findings -The findings of this study indicate that the stability and size of the BPRS have a negative effect on the level of ROA and ROE. Further, BAC has a positive effect on ROA but it has a negative effect on ROE. While the deposit structure (DS) is found to have a positive effect on ROA and ROE, FDR and the total deposit (DAR) is found to have a positive effect on both ROA and ROE. Meanwhile, the capital structure does not show a significant value on ROA. On the other hand, economic growth (GDP) and inflation (INF) do not show a significant relationship to ROA, but inflation is positively related to ROE.Originality -This study is to determine the effect of the stability and the size of BPRS on its profitability. This study uses 6 models to obtain a consistent variation of variables in influencing profitability.

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“…The impact of ROA on NPF depends on how management optimizes the available funds on Islamic banks. It can be said that a higher level of ROA will lead to a better ability of banks to generate profits from its funds (Tumewang et al, 2019). H4: ROA has a negative effect on NPF…”

Section: Return On Assets (Roa)mentioning

confidence: 99%

The influence of financial performance and macroeconomic on financing risk in Islamic banks

Angraini

Sudarsono

Anindita³

2020

AJIM

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The aim of this research is to identify the influence of microeconomic and macroeconomic variables toward non-performing financing of Islamic Commercial Banks in Indonesia.Methodology: Microeconomic variables include CAR, FDR, BOPO, ROA, while macroeconomic variables include IPI, BI Rate, Inflation and SBIS for the period of 2015 to 2019. The data analysis method in this study is auto-regressive distributed lag (ARDL) using EViews 10 tool which can analyze the relationship between independent and dependent variables in the long-term and the short-term.Findings: This study shows that CAR has a positive and insignificant effect on NPF. Furthermore, BOPO, ROA, BI Rate have a significant positive effect on NPF, but FDR, inflation and SBIS have a significant negative effect on NPF. In the long-term, CAR, IPI and SBIS have a negative and insignificant effect on NPF, but BI Rate has a positive and insignificant effect. Suggestion in this research is to solve better research, so further research should be carried out by including a longer period of time.Practical implications: Islamic Bank Directors need to pay attention to the movement of BOPO and ROA which tend to consistently have a positive effect on the NPF level.Originality: This study presents the long-term and the short-term relationships of specific Islamic banking variables and macroeconomic variables on NPF in Indonesia.

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The impact of macro economy toward profitability of Islamic bank

Cited by 13 publications

References 3 publications

Analisis Profitabilitas Bank Syariah Di Indonesia: Pendekatan Autoregressive Distributed Lag (ARDL)

Analisis Profitabilitas Bank Syariah Di Indonesia: Pendekatan Autoregressive Distributed Lag (ARDL)

Do stability and size affect the profitability of Islamic rural bank in Indonesia?

The influence of financial performance and macroeconomic on financing risk in Islamic banks

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