Analisis Pengaruh Inflasi, Birate, Kurs dan Produk Domestik Bruto terhadap Profitabilitas Bank Umum Syariah di Indonesia Periode 2011-2015

This study aims to determine the effect of variables Inflation, BI Rate, Exchange Rate and Gross Domestic Product on the profitability of Sharia Commercial Banks in Indonesia 2011-2015 period proxied through Return On Assets (ROA). The variables used in this study are Inflation, BI Rate, Exchange Rate and Gross Domestic Product. Sample selection method used in this research is convention sampling and obtained six syariah banks that meet the criteria, namely Bank Muamalat Indonesia, Bank Syariah Mandiri, Bank Mega Syariah, BRI Syariah, BNI Syariah, and Bank Panin Syariah. Analyzer used in this research is panel data regression analysis or Pooled Ordinary Least Square (POLS). From the result of panel data regression and model testing, we selected the best model that is Fixed Effect model. The results of this study indicate that: 1). Inflation variable has a positive and significant effect on Return On Assets of sharia public bank shown by value of sig t 0,0042. 2). Interest Rate Variables (BI Rate) have a negative and significant effect on Return On Assets of sharia public bank which is shown with value of sig t 0,0000. 3). The Exchange variable has no significant effect to Return On Assets of sharia public bank which is shown with the value of sig t 0,3379. 4). Gross Domestic Product Variables did not significantly affect the Return On Assets of sharia public bank shown by the value of sig t 0,5241. Existence of model or F test, Inflation variable, BI Rate, Exchange Rate and Gross Domestic Product simultaneously have a significant effect on Return On Assets of syariah bank and model used exist with F value 0,000000 statistic. Nila Adjusted R2 of 51,32% indicated that the variation of ROA variable can be explained by independent variable, and the rest equal to 48,68% ROA variable explained by other variable outside research model. Keywords: Return On Assets, Inflation, BIRate, Exchange Rate, Gross Domestic Product, Profitability of Sharia Commercial Ban