Rahmawati, Elvira Eka (2025) ANALISIS PENGARUH FAKTOR INTERNAL DAN EKSTERNAL TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA PERIODE 2018-2023. S1 thesis, UNIVERSITAS SULTAN AGENG TIRTAYASA.
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Abstract
Profitability is a key indicator in assessing the financial performance of a bank, especially for Islamic Commercial Banks which operate based on sharia principles. This study aims to analyze the influence of internal bank variables, namely Operating Expenses to Operating Income (BOPO), Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Financing to Deposit Ratio (FDR), as well as external factors such as Gross Domestic Product (GDP) and Global Economic Policy Uncertainty (GEPU) on profitability, which is measured by Return on Assets (ROA). This research employs a quantitative approach using panel data analysis. The sample consists of 8 Islamic Commercial Banks selected through purposive sampling, with quarterly data covering the period from 2018 to 2023. Data analysis was conducted using E-Views 12.0 software. The results show that BOPO, CAR, FDR, NPF, GDP, and GEPU simultaneously have a significant effect on ROA in Islamic Commercial Banks in Indonesia. Partially, BOPO has a significant negative effect on ROA, indicating that higher operating expenses relative to income reduce bank profitability. GDP has a significant positive effect on ROA, suggesting that national economic growth contributes to improving the financial performance of Islamic banks. Meanwhile, CAR, NPF, FDR, and GEPU do not have a significant effect on ROA during the research period. These findings indicate that to enhance profitability, banks need to focus their strategies on improving operational efficiency and closely monitoring domestic macroeconomic conditions. Although some variables are not individually significant, collectively they influence the bank’s profitability. Therefore, comprehensive management of internal factors and awareness of external conditions are essential to support the stability and sustainability of Islamic bank financial performance.
| Item Type: | Thesis (S1) | |||||||||
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| Additional Information: | Profitabilitas merupakan indikator utama dalam menilai kinerja keuangan suatu bank, terutama bagi Bank Umum Syariah yang memiliki prinsip operasional berbasis syariah. Penelitian ini bertujuan untuk menganalisis pengaruh variabel internal bank, yaitu Beban Operasional Pendapatan Operasional (BOPO), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), dan Financing to Deposit Ratio (FDR), serta faktor eksternal berupa Produk Domestik Bruto (PDB) dan Global Economic Policy Uncertainty (GEPU) terhadap profitabilitas yang diukur dengan Return on Asset (ROA). Penelitian ini menggunakan pendekatan kuantitatif dengan metode analisis data panel. Sampel penelitian terdiri dari 8 Bank Umum Syariah yang dipilih melalui teknik purposive sampling dengan periode observasi tahun 2018–2023 dalam data triwulan. Analisis data dilakukan menggunakan software E-Views 12.0. Hasil penelitian menunjukkan bahwa variabel BOPO, CAR, FDR, NPF, PDB, dan GEPU secara simultan berpengaruh signifikan terhadap Return on Asset (ROA) pada Bank Umum Syariah di Indonesia. Secara parsial, BOPO berpengaruh negatif signifikan terhadap ROA, yang menunjukkan bahwa semakin tinggi beban operasional terhadap pendapatan, maka semakin rendah profitabilitas bank. PDB berpengaruh positif signifikan terhadap ROA, yang mengindikasikan bahwa pertumbuhan ekonomi nasional turut mendorong kinerja keuangan bank syariah. Sementara itu, CAR, NPF, FDR, dan GEPU tidak berpengaruh signifikan terhadap ROA dalam periode penelitian ini. Temuan ini menunjukkan bahwa dalam upaya meningkatkan profitabilitas, bank perlu memfokuskan strategi pada efisiensi operasional serta memperhatikan kondisi makroekonomi domestik. Meskipun beberapa variabel tidak signifikan secara parsial, namun secara kolektif seluruh variabel menunjukkan pengaruh terhadap kinerja laba bank. Oleh karena itu, pengelolaan menyeluruh terhadap faktor internal dan pemantauan kondisi eksternal menjadi penting dalam mendukung stabilitas dan keberlanjutan kinerja keuangan Bank Umum Syariah. | |||||||||
| Uncontrolled Keywords: | Islamic Commercial Banks, Operating Expenses to Operating Income, Global Economic Policy Uncertainty, Gross Domestic Product, Profitability Bank Umum Syariah, Beban Operasional Pendapatan Operasional, Global Economic Policy Uncertainty, Produk Domestik Bruto, Profitabilitas | |||||||||
| Subjects: | H Social Sciences > HG Finance | |||||||||
| Divisions: | 05-Fakultas Ekonomi dan Bisnis 05-Fakultas Ekonomi dan Bisnis > Program Sarjana Ekonomi Syariah |
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| Depositing User: | Elvira Eka Rahmawati | |||||||||
| Date Deposited: | 19 Aug 2025 03:08 | |||||||||
| Last Modified: | 19 Aug 2025 03:08 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/52112 |
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