Analisis Faktor-Faktor yang Mempengaruhi Sustainability Ratio Perbankan Syariah di Indonesia

Abstract

This study aims to test the efficiency of Islamic banking in Indonesia, as measured by the sustainability ratio. Using multiple linear regression models and chow test, the results of this study indicate that factors affecting sustainability ratio are CAR and ROA, while the most dominant factor affecting the sustainability ratio is CAR. The results of this study so indicate that the monetary crisis does not affect the stability of the regression model. This result is opposite with the conventional banking which have experience structural changes during the crisis. The results of this study are expected to contribute significantly to the managers, that can be used as a basic input for evaluating and improve the efficiency of bank is being managed. As for Bank Indonesia, the results of this study can be used to evaluate the efficiency and make design policies that can increase the efficiency of Islamic banking in Indonesia.