PENGARUH INFLASI, SUKU BUNGA, DAN NILAI TUKAR TERHADAP PROFITABILITAS BANK SYARIAH

Abstract

Basically, Islamic bank entities in Indonesia have existed since 1983 with the issuance of the December 1983 Package (Pakdes 83) which contains a number of regulations in the banking sector, one of which is the permissibility of banks providing interest-free credit (0% interest). The type of research used in this research is quantitative research. This study uses secondary data originating from the Central Statistics Agency (BPS) in the form of interest rates, inflation, and the exchange rate against the USD, while Islamic banking data is in the form of Return on Assets (ROA) obtained from Islamic Banking Statistics (BRIS) data from 2015 -2021 released by the Financial Services Authority (OJK). The analytical tool used is a multiple linear regression model. The results of the study show that not all of these factors have a positive influence. Inflation has a significant negative effect on Profitability (RoA). In contrast to inflation, interest rates do not have a significant effect on the ROA of Islamic banks. While the Exchange Rate has a significant positive effect on the Profitability (RoA) of Islamic Banks.