PENGARUH INFLASI, BI RATE, KURS, PEMBIAYAAN MURABAHAH DAN MUDHARABAH TERHADAP PROFITABILITAS BANK SYARIAH DI INDONESIA
Daftar Isi:
- AHMAD DICKY WIJAYA. The Influence of Inflation, BI Rate, Exchange Rate, Murabahah Financing and Mudharabah On the Profitability of Sharia Banking in Indonesia. Faculty of Economics, State University of Jakarta. 2018. The purpose of this research is to analyze the influence of inflation, BI rate, exchange rate, murabahah and mudharabah financing on the profitability of sharia banks. Period in this research for 5 years is 2013-2017. This study uses secondary data in the form of annual report of each sharia banking, financial services authority, Central Statistics Agency and Statistics of Indonesian Financial Economy (SEKI) from Bank Indonesia. The technique used in sampling is purposive sampling and obtained 6 samples of Sharia Public Bank with total observation of 30 Sharia Commercial Banks. Profitability as the dependent variable in this study is proxied with Return on Assets (ROA). While the independent variables in this research are the inflation rate, the reference rate (BI Rate), the exchange rate obtained from the website of Bank Indonesia and Murabahah and Mudharabah Financing derived from each annual report of the Sharia Bank. Influence and variable relationship were tested by using multiple regression analysis. T test results indicate that inflation and exchange rates have a negative and significant effect on the profitability of sharia banks. However, the BI rate, murabaha and mudharabah financing have no significant effect on the profitability of sharia banks. Meanwhile, from F Test Result shows that inflation, BI rate, exchange rate, murabahah and mudharabah financing on simultaneously have significant and significant profitability of sharia bank. Thus, the hypothesis in this study proved. Keywords: inflation, BI rate, exchange rate, murabahah, mudharabah, profitability, sharia bank.