Analisis Pengaruh GDP, Inflasi, CAR, Dan NPF Terhadap Profitabilitas Perbankan Syariah Di Indonesia

Salman Nasution, Purnama Ramadani Silalahi, Anita Khairunnisa

Abstract

This study analyzes the independence of the variables that affect the profitability of Islamic banking, such as Gross Domestic Product (GDP), Inflation, Capital Adequacy Ratio (CAR), and Non-Performing Financing (NPF). This study uses secondary data in time series with samples from January 2015 to August 2021 in Indonesia and applies a quantitative approach with the method Vector Error Correction Model (VECM). This study found that in the long term GDP and inflation variables have a positive and significant effect on the profitability of Islamic banking in Indonesia, while the CAR and NPF variables do not affect the profitability of Islamic banking in Indonesia. In the short term, the NPF variable affects the GDP variable and the ROA variable affects the inflation variable. Based on the results of this study, shows that macroeconomic variables play an important role in the development of Islamic banking profitability in Indonesia. This study suggests that to increase the profitability of Islamic banking in Indonesia. Islamic banking needs to pay attention to the influence of macroeconomic variables and the management of Islamic banking operational performance.

Keywords

ROA, GDP, Inflation, CAR, NPF

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