ANALYSIS OF THE INFLUENCE OF INTERNAL AND EXTERNAL FACTORS ON THE PROFIT GROWTH OF ISLAMIC BANKS IN INDONESIA

Abstract

This study aims to determine the influence of internal and external factors on the profit growth of banks and sharia business units for the period January 2014-July 2020 in Indonesia. Internal factors used are the growth of third party funds (DPK), financing and fee-based income. Meanwhile, external factors include changes in the BI-Rate and Inflation. The data used is secondary data, which is processed using SPSS software through multiple regression analysis. The results of data processing show, partially, only internal factors of financing growth and fee-based income have an influence on profit growth. However, if simultaneously examined, all internal and external factors affect the profit growth of banks and sharia business units for the period January 2014-July 2020 in Indonesia.