PENGARUH DANA PIHAK KETIGA DAN NON PERFORMING FINANCING TERHADAP PROFITABILITAS (Studi Empiris pada Bank Umum Syariah di Indonesia Tahun 2013-2018)

ASTUTI, DHITA ARYANTI DWI (2019) PENGARUH DANA PIHAK KETIGA DAN NON PERFORMING FINANCING TERHADAP PROFITABILITAS (Studi Empiris pada Bank Umum Syariah di Indonesia Tahun 2013-2018). S1 thesis, Universitas Mercu Buana.

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Abstract

This study aims to examine Profitability's effect of Giro, Savings, Deposits and Non-Performing Financing (NPF) Banking Products. The samples came from 10 Islamic commercial banks registered with the Financial Services Authority (OJK) and Bank Indonesia (BI) for the period 2013 to 2018. Panel data regression analysis through EViews 9 was used to test the significance of independent variables. Secondary data in this study were obtained from the annual financial statements of Islamic banks in Indonesia for the period 2013-2018. This study results showed that Current Accounts, Savings, Deposits did not affect ROA, while NPF has a significant negative effect on ROA. In addition, these results also provide an understanding of the variables that affect profitability and practical implications for people who will invest, giving them a better basis for making decisions that are in line with Islamic investment principles that do not apply Garar, Riba and Maisir to cover all aspects of life (lifestyle). Keywords: Giro, Savings, Deposits, Non-Performing Financing, Profitability Penelitian ini bertujuan untuk menguji pengaruh Produk Perbankan Giro, Tabungan, Deposito dan Non Performing Financing (NPF) terhadap Profitabilitas. Sampel berasal dari 10 bank umum Islam yang terdaftar di Otoritas Jasa Keuangan (OJK) dan Bank Indonesia (BI) untuk periode 2013 hingga 2018. Analisis regresi data panel melalui EViews 9 digunakan untuk menguji signifikansi varibel independen. Data sekunder dalam penelitian ini diperoleh dari laporan keuangan tahunan bank umum syariah di Indonesia periode 2013-2018. Penelitian ini mendapati bahwa giro, tabungan, dan deposito tidak berpengaruh terhadap ROA, sedangkan NPF berpengaruh negatif terhadap ROA. Selain itu, hasil ini juga memberi pemahaman tentang variabel yang mempengaruhi Profitabilitas dan implikasi praktis bagi orang-orang yang akan berinvestasi, memberi mereka dasar yang lebih baik untuk membuat keputusan yang sejalan dengan prinsip-prinsip investasi Islam yang tidak menerapkan Garar, Riba dan Maisir untuk mencakup semua aspek kehidupan (gaya hidup). Kata kunci: Deposito, Giro, Tabungan, Non-Performing Financing, Profitabilitas.

Item Type: Thesis (S1)
Call Number CD: FE/AK. 20 348
NIM/NIDN Creators: 43216110122
Uncontrolled Keywords: Deposito, Giro, Tabungan, Non-Performing Financing, Profitabilitas.
Subjects: 300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 332 Financial Economics, Finance/Ekonomi Keuangan dan Finansial, Ekonomi Biaya dan Pembiayaan > 332.1 Banks/Bank, Perbankan
600 Technology/Teknologi > 650 Management, Public Relations, Business and Auxiliary Service/Manajemen, Hubungan Masyarakat, Bisnis dan Ilmu yang Berkaitan > 657 Accounting/Akuntansi
800 Literatures/Kesusastraan > 800. Literatures/Kesusastraan > 801 Philosophy and Theory of Literatures/Filsafat dan Teori Kesusastraan > 801.3 Value, Influence, Effect/Nilai, Pengaruh, Efek
Divisions: Fakultas Ekonomi dan Bisnis > Akuntansi
Depositing User: Dede Muksin Lubis
Date Deposited: 29 May 2022 05:07
Last Modified: 23 Jul 2022 01:28
URI: http://repository.mercubuana.ac.id/id/eprint/62100

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