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Abstrak :
Penelitian ini bertujuan untuk menganalisa pengaruh indikator makroekonomi (suku bunga SBI, kurs, inflasi, IHSG dan PDB) terhadap Dana Pihak Ketiga dan Pembiayaan Bank Syariah Mandiri. Penelitian ini menggunakan analisis regresi linier berganda. Hasil penelitian diharapkan bahwa indikator makroekonomi (suku bunga SBI, kurs, inflasi, IHSG dan PDB) tidak mempengaruhi Dana Pihak Ketiga dan Pembiayaan pada Bank Syariah Mandiri. Hasil penelitian menunjukkan bahwa indikator makroekonomi memberikan pengaruh terhadap DPK dan Pembiayaan Bank Syariah Mandiri, dimana suku bunga SBI memberikan pengaruh negatif, sedangkan inflasi, kurs, IHSG dan PDB memberikan pengaruh yang positif. Berdasarkan penelitian dengan metode yang sama menunjukkan bahwa PDB memberikan pengaruh positif yang paling besar terhadap Dana Pihak Ketiga dan Pembiayaan Bank Syariah Mandiri.

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This study aimed to analyze the effects of macro-economic indicators (SBI interest rate, exchange rate, inflation, Indonesia Composite Index and GDP) to Bank Syariah Mandiri?s Funding and Financing. This study uses Multiple Linear Regression analysis. The results of research is expected that macroeconomic indicators (SBI interest rate, foreign exchange, inflation, Indonesia Composite Index and GDP) do not affect the Funding and Financing of Bank Syariah Mandiri. The study result shows that macro-economic indicators have impact on Funding and Financing of Bank Syariah Mandiri, the SBI interest rate have negative impact, while exchange rate, inflation, Indonesia Composite Index and GDP have positive impact. Based on the same method, it shows that GDP has positive and the biggest impact on Funding and Financing of Bank Syariah Mandiri.

Abstrak :
ABSTRAK
Tujuan 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.

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ABSTRACT
The 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.