MULTIPLE REGRESSION : DETEMINANT ON PROFITABILITY AT ISLAMIC COMMERCIAL BANKS IN INDONESIA
DOI:
https://doi.org/10.38035/dijefa.v1i1.201Keywords:
NPF, CAR, FDR, ProfitabilityAbstract
The Islamic financial system is potential to be a locomotive of the national economy and be able to overcome gaps. One of them is Islamic banking which is increasingly developing in Indonesia. The development of Islamic banking is expected to increase economic growth. For this reason, Islamic banking is needed which has a healthy financial performance. This study aims to analyze the effect of NPF, CAR, and FDR on Profitability at Islamic Commercial Banks. The data used in this study were obtained from Islamic commercial bank financial statements which are recorded in the OJK for 2015-2018. The population in this study is 14 Sharia Commercial Banks in Indonesia, and using the purposive sampling method, there are 12 bank samples which will be examined. The analysis technique used in this study is multiple linear regression models. The results showed that NPF, CAR and FDR had a significant effect on profitability.
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Ghozali Imam. 2012. Aplikasi Analisis Multivaiate dengan Program IBM SPSS 22 Edisi 6. Semarang: Badan Penerbit Universitas Diponegoro.
Kasmir. 2013. Bank dan Lembaga Keuangan Lainnya. Edisi Revisi. Jakarta: Raja Gafindo Persada.
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Paulin and Wiryono (2015). “Determinants of Islamic Bank’s Profitability in Indonesia”. Journal of Business and Management, Vol 4
Rahmi Nurul and Anggraini (2013). Pengaruh CAR, BOPO, NPF, dan CSR Disclosure Terhadap Profitabilitas Perbankan Syariah. Jurnal Ilmiah Wahana Akuntansi. Volume 8, No.2.
Samad, A., and Hassan, M. K. (n.d.). “The Performance of Malaysian Islamic Bank During 1984-1997: An Exploratory Study”. International Journal of Islamic Financial Services Vol. 1 No.3 , 1.
Simatupang, Apriani and Smarzlay (2016). “Pengaruh CAR, NPF, BOPO dan FDR terhadap Profitabilitas Bank Umum Syariah di Indonesia”. Jurnal administrasi kantor: volume 4, No 2 Des 2016
Siraj, K., and Pillai, P. S. (2012). “Comparative Study on Performance of Islamic Banks and Conventional Banks in GCC Region”. Journal of Applied Finance and Banking , 149.
Smaoui, H. and Salah, I. (2011). “Profitability of Islamic Bank In The GCC Region”. Paper Presented At The Annial Paris Conference, Money, Economy and Management, World Academy of Social Science, Paris, 14-15 July, World Business Institute Australia, Avaliable at : www.wbiconpro.com/615-Houcem.pdf .
Subaweh, et al. 2012. “Analysis of Financial Allocation and Its Impact on The Profitability of Islamic Banking in Indonesia”. The First International Credit Union Conference on Social Microfinance and Community Development, BKCU Kalimantan - Gunadarma University , 111.
www.bi.go.id
www.cnbcindonesia.com
www.ojk.co.id
Almunawwaroh Medina, Marliana (2018). Pengaruh CAR, NPF, dan FDR terhadap Profitabilitas Bank Syariah Di Indonesia. Amwluna, Vol. 2 No. 1, Januari.
Bank Indonesia. Peraturan Bank Indonesia Nomor: 13/ 1 /PBI/2011 tentang Penilaian Tingkat Kesehatan Bank Umum.
Bank Indonesia, Peraturan Bank Indonesia Nomor: 13/24/DPNP tanggal 25 Oktober 2011 perihal Sistem Penilaian Tingkat Kesehatan Bank Umum.
Bank Indonesia. 2007. Surat Edaran No. 9/24/DPbS Perihal Sistem Penilaian Tingkat Kesehatan Bank Umum Berdasarkan Prinsip Syariah. Jakarta: Bank Indonesia.
Ben Khediri, K, Ben Ali (2010). “Bank Spesific, Industry Spesific and Macroeconomic Determinants of African Islamic bank Profitability”. International Journal of Business and Management Science, Vol 3, pp. 39-56
Erlangga Okyviandi P (2016). Pengaruh Total Aktiva, CAR, FDR, NPF terhadap ROA Bank Umum Syariah di Indonesia Periode 2010-2014. Jurnal Ekonomi Syariah Teori dan Terapan Vol. 3 No.7 Juli.
Ghozali Imam. 2012. Aplikasi Analisis Multivaiate dengan Program IBM SPSS 22 Edisi 6. Semarang: Badan Penerbit Universitas Diponegoro.
Kasmir. 2013. Bank dan Lembaga Keuangan Lainnya. Edisi Revisi. Jakarta: Raja Gafindo Persada.
Khediri Ben, (2009). “Determinants of Islamic Bank Profitability In The Mena Region”. International Journal of Monetary Economics and Finance. Vol. 2. Nos ¾, pp 209-426.
Masood, O. and Ashraf, M. (2012). “Bank-Specific and and Macroeconomics Profitability Determinants of Islamic Banks : The Case of Different Countries”. Qualitative Research in Financial Markets. Vol . 4 Nos 2/3, pp. 255-268.
McClave, James T. Dkk. 2011. Statistika untuk Bisnis dan Ekonomi Jilid 1 Edisi Kesebelas. Jakarta: Erlangga.
Mokni, R and Rachdi, H (2014). “Assessing The Bank Profitability In The MENA region : A Comparative Analysis Between Conventional and Islamic Bank”. International Journal of Islamic and Middle Eastern Finance and Management Science, Vol. 3, pp 39-56.
Paulin and Wiryono (2015). “Determinants of Islamic Bank’s Profitability in Indonesia”. Journal of Business and Management, Vol 4
Rahmi Nurul and Anggraini (2013). Pengaruh CAR, BOPO, NPF, dan CSR Disclosure Terhadap Profitabilitas Perbankan Syariah. Jurnal Ilmiah Wahana Akuntansi. Volume 8, No.2.
Samad, A., and Hassan, M. K. (n.d.). “The Performance of Malaysian Islamic Bank During 1984-1997: An Exploratory Study”. International Journal of Islamic Financial Services Vol. 1 No.3 , 1.
Simatupang, Apriani and Smarzlay (2016). “Pengaruh CAR, NPF, BOPO dan FDR terhadap Profitabilitas Bank Umum Syariah di Indonesia”. Jurnal administrasi kantor: volume 4, No 2 Des 2016
Siraj, K., and Pillai, P. S. (2012). “Comparative Study on Performance of Islamic Banks and Conventional Banks in GCC Region”. Journal of Applied Finance and Banking , 149.
Smaoui, H. and Salah, I. (2011). “Profitability of Islamic Bank In The GCC Region”. Paper Presented At The Annial Paris Conference, Money, Economy and Management, World Academy of Social Science, Paris, 14-15 July, World Business Institute Australia, Avaliable at : www.wbiconpro.com/615-Houcem.pdf .
Subaweh, et al. 2012. “Analysis of Financial Allocation and Its Impact on The Profitability of Islamic Banking in Indonesia”. The First International Credit Union Conference on Social Microfinance and Community Development, BKCU Kalimantan - Gunadarma University , 111.
www.bi.go.id
www.cnbcindonesia.com
www.ojk.co.id
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2020-03-22
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