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All Journal Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Angger Gumilang Sugiarto
Universitas Islam Negeri Sumatera Utara Medan
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Pengaruh Dana Pihak Ketiga, dan Efisiensi Operasional terhadap Profitabilitas Unit Usaha Syariah di Bank Sumut Syariah Hm Yamin Medan Periode 2023-2025 Angger Gumilang Sugiarto; Tuti Anggraini; Siti Kadariah
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 4 No. 3 (2026): Agustus : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v4i3.3423

Abstract

This research seeks to analyze how Third-Party Funds (DPK) and Functional Efficiency represented by ratio of Operating Expenses to Operating Income (BOPO) affect the gainfulness of the Sharia Business Unit of Bank Sumut Syariah HM Yamin Medan from 2023 to 2025. Profitability will be evaluated using Return on Assets (ROA), which reflects the institution's capacity to earn profit through asset use. A quantitative approach with an associative methodology is utilized for this investigation. Minor data are gathered from the quarterly financial statements of the Bank Sumut Syariah HM Yamin Medan Sharia Business Unit for the years 2023 to 2025, consisting of a total of 12 observations. Data gathering methods included documentation and a review of existing literature. For data analysis, descriptive statistics, classical assumption testing, multiple linear regression analysis, partial tests (t-test), and simultaneous tests (F-test), as well as the coefficient of determination (R²), were employed. The findings reveal that, individually, Third-Party Funds (DPK) demonstrate a positive but insignificant impact on profitability (ROA), while Operational Efficiency (BOPO) shows a important negative to cause profitability. Collectively, Third-Party Funds and Operational Efficiency keep a significant impact on the profitability of the Sharia Business Unit at Bank Sumut Syariah HM Yamin Medan. The coefficient of determination (R²) value of 0.635 suggests that 63.5% of the changes in profitability can be attributed to Third-Party Funds and Operational Efficiency, with the residual 36.5% impact by additional elements not contained in this research model.
Co-Authors Siti Kadariah Tuti Anggraini