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ABSTRAKTujuan penelitian ini adalah untuk menguji pengaruh indikator
makroekonomi dan karakteristik spesific-firm terhadap profitabilitas bank syariah
di Asia periode 2008-2012. Indikator makroekonomi berupa GDP growth dan
Inflasi, sedangkan karakteristik specific firm berupa leverage, capitalization,
operating expense, asset quality, number of branch, dan firm size. Profitabilitas
bank diukur dengan ROA dan ROE. Metode regresi menggunakan Least Squares
Method (LSM) untuk mengolah jenis data unbalanced panel dan balanced panel.
Hasil penelitian menunjukkan determinan yang mempengaruhi ROA
secara positif signifikan adalah capital, firm size, GDP growth, dan inflasi,
sementara determinan yang mempengaruhi ROA secara negatif signifikan adalah
leverage dan operating expense. Asset quality dan number of branch tidak
berpengaruh signifikan terhadap ROA. Faktor determinan yang mempengaruhi
ROE secara positif signifikan adalah capital, number of branch, GDP growth, dan
inflasi, sementara determinan yang mempengaruhi ROE secara negatif signifikan
adalah operating expense, dan asset quality. Leverage dan firm size tidak
berpengaruh signifikan terhadap ROE.
ABSTRACTThe purpose of this study is to examine the effect of macroeconomic
indicators and firm-specific characteristics on the profitability of Islamic banks in
Asia for period 2008-2012. Macroeconomic indicators using variables GDP
growth and inflation, while the firm-specific characteristics using variables
leverage, capitalization, operating expense, asset quality, number of branches, and
firm size. Bank profitability measured by ROA and ROE. Research method using
Least Squares Method regression (LSM) to process the data types unbalanced
panels and balanced panels.
The result of this research shows that capital, firm size, GDP growth, and
inflation are determinants affecting ROA with positive and significant influence,
while operating expense and leverage are significantly negative determinants that
affect ROA. Asset quality and number of branches doesn’t have significant
influence to ROA. The research also shows that determinant factors that affect
ROE with positive and significant influence are capital, number of branch, GDP
growth, and inflation. While operating expense, and asset quality are determinants
that affect significantly negative to ROE. Leverage and firm size doesn’t have a
significant influence to ROE."
