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"ABSTRAKTujuan penelitian ini adalah untuk menguji pengaruh indikatormakroekonomi dan karakteristik spesific-firm terhadap profitabilitas bank syariahdi Asia periode 2008-2012. Indikator makroekonomi berupa GDP growth danInflasi, sedangkan karakteristik specific firm berupa leverage, capitalization,operating expense, asset quality, number of branch, dan firm size. Profitabilitasbank diukur dengan ROA dan ROE. Metode regresi menggunakan Least SquaresMethod (LSM) untuk mengolah jenis data unbalanced panel dan balanced panel.Hasil penelitian menunjukkan determinan yang mempengaruhi ROAsecara positif signifikan adalah capital, firm size, GDP growth, dan inflasi,sementara determinan yang mempengaruhi ROA secara negatif signifikan adalahleverage dan operating expense. Asset quality dan number of branch tidakberpengaruh signifikan terhadap ROA. Faktor determinan yang mempengaruhiROE secara positif signifikan adalah capital, number of branch, GDP growth, daninflasi, sementara determinan yang mempengaruhi ROE secara negatif signifikanadalah operating expense, dan asset quality. Leverage dan firm size tidakberpengaruh signifikan terhadap ROE.

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ABSTRACTThe purpose of this study is to examine the effect of macroeconomicindicators and firm-specific characteristics on the profitability of Islamic banks inAsia for period 2008-2012. Macroeconomic indicators using variables GDPgrowth and inflation, while the firm-specific characteristics using variablesleverage, capitalization, operating expense, asset quality, number of branches, andfirm size. Bank profitability measured by ROA and ROE. Research method usingLeast Squares Method regression (LSM) to process the data types unbalancedpanels and balanced panels.The result of this research shows that capital, firm size, GDP growth, andinflation are determinants affecting ROA with positive and significant influence,while operating expense and leverage are significantly negative determinants thataffect ROA. Asset quality and number of branches doesn’t have significantinfluence to ROA. The research also shows that determinant factors that affectROE with positive and significant influence are capital, number of branch, GDPgrowth, and inflation. While operating expense, and asset quality are determinantsthat affect significantly negative to ROE. Leverage and firm size doesn’t have asignificant influence to ROE."

"ABSTRAKMenurut publikasi BAPEPAM industri asuransi di Indonesia mengalamipertumbuhan premi bruto setiap tahunnya mulai dari periode 2006 sampai 2010.Hal ini merupakan dampak dari terus berkembangnya perekonomian Indonesiayang dapat dilihat dari pertumbuhan PDB (Produk Domestik Bruto) dari tahun ketahun. Dikarenakan profitabilitas sebuah perusahaan merupakan salah satuindikator kinerja perusahaan maka sangatlah penting untuk mengetahui faktor apasaja yang dapat memperngaruhi profitabilitas perusahaan asuransi di Indonesia.Tesis ini akan mengidentifikasi faktor internal dan faktor ekonomi makro apa sajayang dapat memperngaruhi profitabilitas serta menjelaskan mengapa pengaruh(negatif atau positif) tersebut terjadi dan bagaimana dampaknya pada perusahaanasuransi di Indonesia dalam periode 2007 sampai 2011. Objek penelitianmenggunakan 105 yang terdiri dari 27 perusahaan asuransi jiwa, 71 perusahaanasuransi umum, 4 perusahaan asuransi jaminan sosial, dan 4 perusahaanreasuransi. ROA (Return on Assets) akan dipilih sebagai variabel dependen danfirm size (total assets), volume of capital (VOC), AGE (UMUR), combined ratio(COMR), leverage ratio (LEVERAGE), liquidity ratio (LIQUIDRATIO), inflasi(INFLASI), pertumbuhan PDB (pertPDB), serta PDB per kapita (PDBKapita)sebagai variabel independen. Hasil penelitian menunjukan bahwa 6 variabelindependen secara signifikan dapat memperngaruhi variabel dependen yaituUMUR (umur perusahaan) dengan pengaruh negatif, SIZE (total assets) denganpengaruh positif, VOC (Volume of Capital) dengan pengaruh positif, INFLASI(inflasi) dengan pengaruh negatif, PERTPDB (pertumbuhan PDB) denganpengaruh negatif, dan PDBKAPITA dengan pengaruh positif.

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ABSTRACTAccording to BAPEPAM’s publication it’s stated that the gross premium ofIndonesia’s insurance has grown continously from 2006 till 2010 period. This isthe direct impact of Indonesia’s economic growth that can be seen from theyearly growth of GDP (Gross Domestic Product). Because one of the keyindicator of performance is companies profitability then it’s very important todetermine which factors that can affect Indonesia’s insurance companiesprofitabilities. This thesis will identified which firm specific factors andmacroeconomics factors that can affect profitability also why the effects (negativeor positive) happen and what is the impact of this result to the Indonesia’sInsurance companies. This study will use 105 sample that comprise of 27 lifeinsurance company, 71 general insurance company, 4 social security company,and 4 reinsurance company. ROA (Return on Assets) will be the independentvariable and firm size (total assets), volume of capital (VOC), AGE (UMUR),combined ratio (COMR), leverage ratio (LEVERAGE), liquidity ratio(LIQUIDRATIO), inflasi (INFLASI), pertumbuhan PDB (pertPDB), serta PDBper kapita (PDBKapita) will be the independent variable. The findings shows that6 independent variables significantly affect dependent variables, AGE (age offirms) with negative effects, SIZE (total assets) with positive effects, VOC(Volume of Capital) with positive effects, INFLASI (inflation) with negativeeffects, PERTPDB (growth of GDP) with negative effects, and PDBKapita (GDPper capita) with positive effects."

" ABSTRAK Penelitian ini mengenai determinan yang mempengaruhi profitabilitas bank komersial di Indonesia, tujuannya ialah untuk mencari tahu dan menganalisa determinan apa saja yang mempengaruhi profitabilitas bank komersial di Indonesia secara signifikan. Variabel yang digunakan Return On Asset, Net Interest Margin, Return On Equity, modal Equity/Total Asset Ratio dan Capital Adequacy Ratio , risiko kredit Non Performing Loans/Total Loans dan Loan Loss Provision/Total Loans , Biaya Operasional/Pendapatan Operasional, Likuiditas, Ukuran Bank, Struktur Kepemilikan, Non Interest Income/Total Asset, Aktivitas non-tradisional, Pertumbuhan PDB dan Inflasi. Di dalam penelitian ini dijelaskan bahwa terdapat hubungan antara determinan dengan profitabilitas bank komersial di Indonesia. Hasil penelitian menunjukkan risiko kredit, ukuran bank dan kepemilikan bank berpengaruh positif pada profitabilitas bank sedangkan efisiensi biaya dan likuiditas sebaliknya.

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ABSTRACT This study of the determinants that affect the profitability of commercial banks in Indonesia, the goal is to find out and analyze the determinants that influence the profitability of commercial banks in Indonesia significantly. Determinant factor tested in this research are, capital Equity Total Asset Ratio and Capital Adequacy Ratio , credit risk Non Performing Loans Total Loans and Loan Loss Provisions Total Loans , Operational Expenditure Operational Income, Liquidity, size of banks, Ownership Structure, Non interest Income Total Asset, Nontraditional Activity, Growth of GDP and Inflation. In this study explained that there is a relationship between the determinant of the profitability of commercial banks in Indonesia. The results of the study shows that credit risk, size of banks and ownership structure have positive influence to bank profitability and as for cost eficiency and liquidity are the opposite."