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Analisis Pengaruh Financial Leverage, Net Profit Margin (NPM) dan Inflasi Terhadap Return On Equity (ROE) bagi Perbankan Syariah
Moving the real sector is the sharia banking’s first priority for runs its business,
because it is considered to more capable to recover economy crisis in a country.
Another factor that supports sharia banking is the regulation; UU 21 2008. The
regulation enables a bank to use dual banking system; conventional banking and
Islamic banking. as any other company. There are several factors that can help to
increasing revenue; as the one of the banking goals: financial leverage, net profit
margin, and inflation.
This research used the mainstream approach. The samples (BCA Syariah, Bank
Syariah Mandiri, and BRI Syariah) selected by purposive sampling method. The
data for this research is collected from 2013 until 2017. Then, the variables from
each samples analyzed with panel data regression method with three approaches:
PLS, FEA, and REA.
The result shows that financial leverage variable (X1) has 0,004% positive
coefficient, which mean every 1% on the total financial leverage increase for each
banks will increase 0,004% asset usage level for each banks, while other variable
assumed constant. The net profit margin variable (X2) has 1,027% positive
coefficient, which mean every 1% on the total net profit margin increase for each
banks will increase 1,027% net profit margin level for each banks, while other
variable assumed constant. The inflation variable (X3) has 0,113% positive
coefficient, which mean every 1% on the total inflation increase for each banks
will increase 0,117% inflation level for each banks, while other variable assumed
constant
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