Analysis of the Influence of BOPO, NIM and Inflation on the Profitability of Bank BRI Syariah in 2013-2020
Journal Title: Talaa - Year 2022, Vol 2, Issue 1
Abstract
This study analyzes factors affecting BRI Syariah Bank's profitability in Indonesia. This study sampled BRI Syariah Bank's 2013-2020 yearly financial statements that fit the study's requirements. Data for Bopo, Nim, Inflation, and Roa come from the official BRI Syariah bank and Bank Indonesia (BI) websites for 2013 – 2020. This study uses the ROA ratio as a metric of BRI Syariah Bank's profitability and BOPO, NIM, and Inflation as independent variables. This study uses the Ordinary Least Square (OLS) data analysis method to obtain a thorough picture of the relationship between variables using Eviews10 software. According to study, BOPO negatively affects ROA (Return on Assets). Operating Costs and Operating Income (BOPO) are less significant than required. The study shows that BOPO has a detrimental impact on ROA (Return on Assets). NIM and inflation study results had little impact on BRI Syariah Bank's ROA. This study reveals that Islamic banks are resilient to inflation and don't rely on profit margins. This study suggests Islamic banks reduce operating costs to boost profitability.
Authors and Affiliations
Azhar Alam,Eni Setyowati,Aditama Chandra Wiguna,Renaldi Sahrul Nizam,
Keywords
Related Articles
- EP ID EP710158
- DOI https://doi.org/10.54045/talaa.v2i1.505
- Views 57
- Downloads 0
Restructuring Islamic Social Finance Ecosystem on Standardization of Waqf in Indonesia: Platform Digitized
The emergence of waqf forum applications raises an issue that has to be immediately resolved, where the management of public funds requires sufficient transparency and the efficient access to it to continue to attract pu...
Electronic Wallet as a Multi Payment Media Solution in the Industrial Revolution Era 4.0: Study on FEBI Students IAIN Sultan Amai Gorontalo, Indonesia
In line with technological development, all forms of community activity have now shifted to digitalization, including payment activities. The purpose of this research is to examine and describe whether server-based elect...
Rationale of Employee Turnover: An Analysis of Banking Sectors in Nepal
The main purpose of this study is to elaborate the reasons of employee turnover in the banking sector of Nepal. The study has opted both primary and secondary source of data to achieve the objective of the study. The str...
The Effect of Service Quality and Results on Customer Satisfaction Mudharabah Savings in PT. Bank Syariah Mandiri Gorontalo Branch Office, Indonesia
This research aims to determine and test the effect of service quality and profit sharing on customesrs’satisfaction of Mudharabah savings in Gorontalo branch office. This is a quantitative research. The research populat...
Empirical Study of Entrepreneurship in Tijarah Concept
Economic activities including production, distribution and consumption are one of the ways humans meet their daily needs. Economic development is inseparable from the three economic activities, development is a multidime...