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All Journal AL-FALAH : Journal of Islamic Economics
Putri Dini Agustin
Universitas Islam Negeri Sumatera Utara
Religion Economics, Econometrics & Finance

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The Influence of Murabahah Financing and Third Party Funds (DPK) on Net Profit at Bank Sumut Multatuli Sharia Branch Office for the 2022-2024 Period Putri Dini Agustin; Nursantri Yanti; Atika
AL-FALAH : Journal of Islamic Economics Vol. 11 No. 1 (2026)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v11i1.16810

Abstract

Purpose: This study aims to examine the extent to which financing murabahah and Third Party Funds (DPK) affect the net profit obtained by Bank Sumut, Multatuli Sharia Branch Office, over the period 2022 to 2024. Design/Method/Approach: The approach adopted a quantitative, associative nature, with data sourced from the report's quarterly finance, including up to 12 data points. Analysis method covering descriptive statistics, testing assumptions classic, as well as multiple linear regressions equipped with t-test, F-test, and coefficient determination (R²). Findings: In a way, partial murabahah has a significant positive impact on profit, with the t-count exceeding the t-table (4.139 > 2.262). A similar pattern holds for DPK, which also has a significant positive influence (t-count = 3.155 > 2.262). Testing simultaneously yields a calculated F of 9.055, which exceeds the F table value of 4.26, confirming that the second variable, in a way, together influence profit clean. The R² value of 0.594 indicates that the second variables explain 59.4% of the change in profit, while the remaining 40.6% is influenced by external factors within the scope of this model. Originality / Values: Findings that confirm the importance of optimizing DPK collection and distribution through murabahah as the main pillar for improving the profitability of Islamic banks.
Co-Authors Atika Nursantri Yanti