Pengaruh Variabel Makroekonomi terhadap Profitabilitas Perbankan Syariah di Indonesia tahun 2018 2022

The Effect of Macroeconomics on the Profitability of Islamic Banking in Indonesia in 2018 – 2022. The transformation of Islamic finance (EkSyar) is carried out optimally to be able to participate and contribute to national economic growth. In Indonesia there are two banking systems, namely Islamic banks and conventional banks. The definition of Islamic Bank is a bank that carries out its operations based on sharia principles and according to its type consists of Islamic Commercial Banks and Islamic People's Financing Banks. Islamic banks do not recognize interest in their operational activities. The characteristics of the Islamic banking system operate based on the principle of profit sharing which provides an alternative banking system that is mutually beneficial for the community and the bank, Islamic banking upholds aspects of fairness in transactions, ethical investment, saves the values of togetherness and brotherhood in production, and avoids speculative activities in transact.rnBanks have an important role in the economy, banks need supervision of good performance by banking regulators. One of the indicators to assess the financial performance of a bank is to look at its level of profitability. Banking in the implementation of its operational activities is inseparable from the influence of economic conditions. Therefore, from various events research results, it is stated that not all empirical events are in accordance with related theories, the purpose of this study is to determine the macroeconomic impacts such GDP, inflation, and exchange rates on profitability, measured using ROA in Islamic banking in Indonesia.rnThe method of analysis in this study is the Vector Error Correction Model (VECM). The types and sources of data used in this study are secondary data. Secondary data in the form of GDP, inflation, and exchange rates for the period January 2018 April 2022, well dummy variable data covid 19.rnThe results of this study state that in the short term GDP has a negative effect on ROA, whereas in the long term GDP has a positive and significant effect on ROA. Inflation variable in the short term, inflation has a negative effect on ROA, whereas in the long term inflation has a negative effect on ROA. The exchange rate variable in the short term, the exchange rate has a negative effect on ROA, while in the long term the exchange rate has a positive and significant effect on ROA. And in the short term the dummy variable Covid – 19 has a negative effect on ROA, while in the long term the dummy variable Covid – 19 has a negative effect on ROA.