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All Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Mutiara Detris
Universitas Muslim Nusantara Al-Washliyah Medan
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Pengaruh Third Party Funds dan Digital Banking terhadap Profitabilitas Bank Syariah di Indonesia Mutiara Detris; Shita Tiara; Wilda Sri Munawaroh; Ova Novi Irama
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 9 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i9.13131

Abstract

This study aims to determine the effect of third-party funds and digital banking on the profitability of Indonesian Islamic Banks in the 2020-2024 period. This study is a quantitative study with a purposive sampling method with a total of 65 observation data. The data used is secondary data obtained from the annual reports of the OJK. The data analysis technique uses panel data regression through a series of model selection tests, classical assumption tests, and hypothesis tests with the help of Eviews 12 software. The results of this study indicate that third-party funds have a significant effect on profitability, while digital banking does not significantly affect profitability. Simultaneously, third-party funds and digital banking have a significant effect on profitability. The coefficient of determination value shows that the two independent variables consisting of third-party funds and digital banking are able to explain the dependent variable of the study, namely profitability, by 52.16%. While the remaining 47.84% is explained by other variables outside the study. The results of this study are expected to be a consideration for Islamic Banks in increasing profitability by optimizing the collection of Third Party Funds and digital banking services.
Co-Authors Ova Novi Irama Shita Tiara Wilda Sri Munawaroh