Pengaruh pembiayaan murabahah, inflasi, risk profile, dan capital terhadap kinerja keuangan bank syariah di Indonesia periode 2016-2021

Ahmad Nasirudin, Defi Insani Saibil

Abstract


Tidak stabilnya kinerja keuangan menjadi permasalahan meski kuantitas bank umum syariah sudah berkembang pesat. Kondisi kinerja keuangan menjadi faktor penting bagi prospek masa depan bank umum syariah. Penelitian ini bertujuan untuk mengetahui faktor lain yang berpotensi memiliki pengaruh terhadap kinerja keuangan bank umum syariah. Pemilihan sampel menggunakan metode purposive sampling menghasilkan 9 bank terpilih dari 14 populasi bank umum syariah di Indonesia selama periode 2016-2021. Perolehan data bersumber dari data sekunder yaitu data laporan keuangan triwulan dan data inflasi. Teknik analisis data yang digunakan adalah regresi data panel dengan alat olah data Eviews. Hasil penelitian menghasilkan pembiayaan murabahahdan capital (CAR) memiliki pengaruh positif dan signifikan terhadap kinerja keuangan (ROA), risk profile (NPF) berpengaruh negatif dan signifikan terhadap kinerja keuangan (ROA), namun inflasi tidak berpengaruh terhadap kinerja keuangan (ROA).

 


Keywords


Kinerja keuangan; ROA; pembiayaan murabahah; inflasi; NPF; CAR

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DOI: https://doi.org/10.30872/jinv.v19i2.12583

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