Record Detail

This research is performed in order to test the influence external factors such : BI Rate, Inflation Rate and Kurs USD to IDR and internal factors such : financing risk (NPF), liquidity risk (FDR) and operational risk (BOPO) toward profitability (ROA).
Methodology research as the sample used purposive sampling with criteria as Islamic Banking listed in Indonesia during period 2009-2014. Analytical techniques used data panel regression, and estimation model used fixed effect with significance value 5%.
Hipotesis result showed that external factors have significance effect to profitability as a simultan, and internal factors, operational risk (BOPO) have significance effect to profitability (ROA). But, liquidity risk (FDR) and financing risk (NPF) have not significance effect to profitability (ROA). External factors : Inflation and BI rate have significance effect to profitability (ROA) but Kurs USD have not significance effect to profitability (ROA). 65,59% independent variables can explain the dependent variable, and 34,41% influenced by other variables.