PENGARUH KONSENTRASI PASAR, PANGSA PASAR, INFLASI, NON PERFORMING FINANCE, NET INTEREST MARGIN TERHADAP KINERJA PERBANKAN SYARIAH DI INDONESIA PERIODE 2018 - 2023

This study aims to examine the effect of market concentration, market share, inflation, Non Performing Finance, and Net Interest Margin on banking performance proxied by Return On Assets (ROA) in the Islamic Banking sector in Indonesia for the period 2018 – 2023.
This study uses data obtained from annual reports and financial reports published by the Financial Services Authority and on the website of each bank. The population in this study were all Islamic Commercial Banks registered with the Financial Services Authority in the period 2018 - 2023, namely 13 Islamic Commercial Banks. The sample selection method in this study used Purposive Sampling, namely 12 Islamic Commercial Banks were selected to be sampled. The data analysis method used in this study is panel data regression analysis with the Fixed Effect Model (FEM) model. In this study, hypothesis testing was also carried out with the T test (partial) to test variables individually and the F test (simultaneous) to test the effect of variables together on the dependent variable with a significance level of 5%.
The results showed that the variables of market concentration, market share, inflation, and Non Performing Finance had no effect on Return On Assets (ROA). Then for the Net Interest Margin variable, the hypothesis is accepted, which means it has an effect on Return On Assets (ROA).

Keywords: Marcet Structure, Inflation, Financing risk, Net Interest Margin, Return On Assets. .