Analisis Pengaruh Faktor Makroekonomi terhadap Profitabilitas Return on Assets (ROA) PT. Bank Muamalat Indonesia Tbk. Periode 2014Q4-2017Q4

This research was conducted using quantitative methods with secondary data obtained from the website of BI, OJK, Ministry of Trade, BPS . The data used is sequential data from 2014 quartal 4 until 2017 quartal 4 . Data analysis using classical assumption test which consists of: (a) Normality Test; (b) Multicollinearity Test; (c) Heteroscedasticity Test; (d) Autocorrelation Test. Furthermore, a statistical test consisting of; (a) T Test; (b) Test F; and (c) Coefficient of Determination Test. Based on the results of this study the conclusions are as follows: (a) Inflation has a negative and not significant effect on Return On Assets (ROA); (b) GDP has a negative and significant effect on Return On Assets (ROA); (c ) The BI Rate has a negative and not significant effect on Return On Assets (ROA); (d) Exchange rates have a positive and not significant effect on Return On Assets (ROA); (e) Inflation, GDP, BI Rate and Exchange Rate together do not have a significant effect on Return On Assets 2 (ROA); (d) Inflation , GDP, BI Rate, and Exchange Variables can only explain 75.05 % of the changes in the value of Return on Assets (ROA) of PT. Bank Muamalat Indonesia Tbk. This is because the operational system of Islamic banks that do not use interest, so that the influence of inflation , GDP, BI Rate , and Kura only slightly affects operational risk and credit risk. It is expected that Islamic banks will continue to monitor profit sharing and margin ratios offered to customers so that the value of Return On Assets does not decrease if a monetary crisis is caused by inflation, GDP, BI Rate and Exchange Rate