The Effect of Interest Rates and Inflation on Profit Sharing at Bank Syariah Indonesia (BSI) 2021-2024
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Abstract
The decrease and increase in profit sharing of Bank Syariah Indonesia (BSI) during the 2021-2024 period are suspected to be influenced by interest rates and inflation. This study aims to analyze the relationship between interest rates and inflation on profit sharing in order to obtain more accurate and comprehensive results. This type of research is quantitative research. The data used are secondary data. The population in this study is Bank Syariah Indonesia (BSI), and the sample was determined using a saturated sampling method. In analyzing the data, the researcher used multiple linear regression analysis. Based on the t-test, it was found that t-count = 3.357520 > t-table = 1.679, so H1 is accepted (H0 is rejected), with Prob = 0.0016 < α = 0.05. It can be concluded that the interest rate (X1), as an independent variable, has a positive and significant effect on profit sharing (Y). Based on the t-test for inflation, it was found that t-count = -1.721286 < t-table = 1.679, so H0 is accepted (H2 is rejected), with Prob = 0.0921 > α = 0.05. It can be concluded that inflation does not have a significant effect on the amount of profit sharing. In the F-test, F-count = 6.209418 > F-table = 3.200 (n = 48, k = 2), so H0 is rejected (H1 is accepted), with Prob = 0.004155 < α = 0.05. This shows that there is a simultaneous influence of interest rates and inflation on profit sharing.
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References
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