The Effect of Return on Asset (ROA), Operational Efficiency Ratio (BOPO), Inflation, Credit Interest Rate and Gross Domestic Product (GDP) towards Murabahah Financing in Sharia Banking in Indonesia (2016-2019)

Abstract

Aims: This article focuses on discussing the effect of Return on Assets (ROA), Operational Efficiency Ratio (BOPO), Inflation, Credit Interest Rates, and Gross Domestic Product of Murabahah Financing in Sharia banking in Indonesia for the 2016-2019 period.
 Study Design: Descriptive quantitative research is used with financial reports from Indonesian Sharia banking in 2016-2019 involved.
 Place and Duration of Study: It obtains 13 sharia banking in Indonesia from 2016-2019 financing data.
 Methodology: Through descriptive research, the researcher will explain whether Return on Assets (ROA), Operational Efficiency Ratio (BOPO), Inflation, Credit Interest Rates, and Gross Domestic Product of Murabahah Financing in Sharia banking in Indonesia influence each other. The data analysis technique in this study uses multiple regression with the help of the SPSS 25 application.
 Results: In accordance with the results of the f test, all independent variables, namely ROA, BOPO, inflation, CIR and GDP have a significant effect simultaneously on Murabahah financing. The results of the t-test explain that ROA has a significant positive effect on Murabahah financing, BOPO has no effect on Murabahah financing, inflation has a significant positive effect on Murabahah financing, CIR has a significant negative effect on Murabahah financing, and GDP has a significant positive effect to Murabahah financing.
 Conclusion: According to the research conducted above, it can be concluded that the ability to explain the independent variable on the Murabahah financing variable is 59.4%. Other than that, other research that involves other variables and longer data need to be conducted to know more what affect muharabah financing in Indonesia.

The effect of mergers, BOPO, NPF, growth, and the BI rate on murabahah margin income in Islamic mortgage products at Bank Syariah Indonesia

“…In this case, the murabahah margin income earned by Bank Syariah Indonesia is influenced by the increase or decrease in the ratio of operating expenses per operating income (BOPO). In contrast, BOPO hurts murabahah income (Yamin 2022), and BOPO harms profitability (Setya, Sari, and Afriansyah 2021). The BOPO ratio is used to measure a bank's performance and level of efficiency in controlling operational costs against its operating income.…”