Analisis Pengaruh Inflasi, Suku Bunga BI, dan Produk Domestik Bruto terhadap Return on Asset (ROA) Bank Syariah di Indonesia

Abstract

The purpose of the present study is to explain the influence analysis of inflation, BI rate, and Gross Domestic Product to the Return On Asset (ROA) of islamic banking in Indonesia period 2008-2010. Macroeconomic variables in this research are measured by inflation, Bank Indonesia rate, and gross domestic product (GDP). The most important indicator in evaluating the banking financial performance is ROA. Sampling technique used here is purposive sampling, it is gained sample amount of 13 islamic banks.The data used in this study were obtained from published financial statements of Bank Indonesia. Data analysis techniques used in this study is multiple linier regression analysis. F test results showed that simultaneous variable inflation, BI rate, and GDP have a significant effect on ROA. While the results of t test showed that partially, inflation and GDP has positive and significant influence on ROA, while BI rate has negative and significant influence on ROA.
Keywords: inflation, BI rate, return on asset