Pengaruh Inflasi Dan Suku Bunga Bank Indonesia Terhadap Kinerja Keuangan Bank Umum Syariah

Abstract

This study aims to determine and analyze the effect of inflation and BI interest rates on Return On Assets (ROA) in Islamic Commercial Banks in Indonesia during 2015-2019, either partially or simultaneously.

The analytical tools used include the classic assumption test consisting of normality test, multicollinearity test, autocorrelation test and heteroscedasticity test, multiple linear regression analysis, determination coefficient test (R²), and hypothesis testing consisting of t statistical tests and F statistical tests.

The results of the analysis show that the inflation variable partially has a positive and insignificant effect on Return On Assets (ROA) in Islamic Commercial Banks in Indonesia during 2015-2019, and the BI interest rate variable partially has a positive and insignificant effect on Return On Assets (ROA). in Islamic Commercial Banks in Indonesia during 2015-2019. Simultaneously, inflation and BI interest rates do not have a significant effect on Return On Assets (ROA) at Islamic Commercial Banks in Indonesia during 2015-2019.

This is due to the fact that Islamic banking does not adhere to an interest system, so that the money under management will not experience too much turmoil in the event of inflation, as is the case with conventional banks. In addition, loyal sharia banking customers who generally prioritize sharia principles as well as internal policies such as increasing the profit sharing ratio offered to customers and providing lower margins compared to credit interest at conventional banks which will attract investors' interest in financing in Syariah banking.