Analisis Pengaruh Financial Leverage, Net Profit Margin (NPM) dan Inflasi Terhadap Return On Equity (ROE) Bagi Perbankan Syariah

Abstract

In terms of operations carried out by Islamic banks, it is more indicated to move the real sector, so that it is considered more able to recover the economic crisis in a country, another factor that supports Islamic banking is the existence of regulations namely Law No. 10 of 1998. The concept of Islam is to maintain a balance between the real sector and the monetary sector so that the growth of financing cannot be separated from the growth of the real sector it is financing. In other words the performance of Islamic banking is determined by the performance of the real sector and not vice versa. In accordance with the formulation of the problems raised in the study, the purpose of this study is to analyze the effect of Financial Leverage, Net Profit Margin (NPM) and Inflation Against Return on Equity (ROE) for Islamic Banking.This type of research is research that uses the main-stream approach or with the term study of positive accounting, in this study used panel data regression. Panel data is a combination of time series data and data creoss section. By accommodating information both related to cross section and time series variables, panel data can substantially reduce the problem of omitted-variables.The variable financial leverage (X1), has a positive coefficient of 0.004% which means that every time there is an increase in the amount of financial leverage in each bank by 1% will cause an increase in the level of asset use in each bank by 0.004%, assuming the other variables remain Variable Net Profit Margin (X2), has a positive coefficient of 1.027% which means that every time there is an increase in the amount of Net Profit Margin at each bank by 1% will cause an increase in the level of Net Profit Margin at each bank by 1.027%, assuming a variable others remain. Inflation Variable (X3), has a positive coefficient of 0.113% which means that every time there is an increase in the amount of inflation in each bank by 1% will cause an increase in the inflation rate in each bank by 0.117%, assuming the other variables are fixed