Analisis Profitabilitas Bank Syariah Di Indonesia: Pendekatan Autoregressive Distributed Lag (ARDL)

This study aims to analyze the factors that affect profitability of Islamic Commercial Banks in Indonesia. The dependent variable this is Return on Assets (ROA), while independent variables include CAR, NPF, FDR, BOPO, DPK, mudharabah financing, murabahah BI Rate, and inflation. research period was from January 2015 July 2020 using Autoregressive Distributed Lag (ARDL) approach. found short term inflation are significant profitability. Meanwhile, long term, Rate. Mudharabah BOPO financing have biggest influence Therefore, bank management needs pay attention risk a profit-sharing scheme. In addition, maintain level efficiency by taking into account use funds meet operational expense.