Sharia Bank Resilience in Facing Macroeconomic Factors

The purpose of this study is to analyze the resilience of sharia banks in Indonesia in facing macroeconomic factors. This research data was taken from Bank BRI Syariah's publication of quarterly reports, period of 2009 – 2016. Multiple regression equation was used to determine the relationship between profitability and the macroeconomic factors. The addition of the control variables was used to neutralize, so that the relationship between the independent variable and the dependent variable can remain constant. The results of the study are that macroeconomic factors (inflation rate, gross domestic product, and exchange rate) have a strong effect on the profitability of sharia bank. After adding the inflation rate, gross domestic product and exchange rate, the effect on profitability is greater than if it only uses internal variables. Keywords—bank resilience, capital adequacy ratio, macroeconomic, non-performing finance, sharia bank.