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All Journal JURNAL ECONOMIA The International Journal of Accounting and Business Society EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Ecodemica : Jurnal Ekonomi Manajemen dan Bisnis Perspektif : Jurnal Ekonomi dan Manajemen Universitas Bina Sarana Informatika IJBE (Integrated Journal of Business and Economics) Kinerja: Jurnal Ekonomi dan Manajemen Akuntabel : Jurnal Ekonomi dan Keuangan Forum Ekonomi : Jurnal Ekonomi, Manajemen dan Akuntansi Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen JURNAL AKUNTANSI, EKONOMI dan MANAJEMEN BISNIS JURNAL MANAJEMEN INDUSTRI DAN LOGISTIK Abdimas Dewantara MATAPPA: Jurnal Pengabdian Kepada Masyarakat Jurnal Penelitian dan Pengabdian Kepada Masyarakat UNSIQ Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Jurnal Review Pendidikan dan Pengajaran (JRPP) International Journal of Economics, Business and Accounting Research (IJEBAR) Abdi Dosen : Jurnal Pengabdian Pada Masyarakat JURNAL AKUNTANSI KEUANGAN DAN MANAJEMEN Community Development Journal: Jurnal Pengabdian Masyarakat Yumary: Jurnal Pengabdian kepada Masyarakat Jurnal Pengabdian kepada Masyarakat International Journal of Educational Review, Law And Social Sciences (IJERLAS) International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Journal of Education Research The International Journal of Politics and Sociology Research Journal Of Human And Education (JAHE) Jurnal Pendidikan Dasar dan Sosial Humaniora Journal of Innovation Research and Knowledge Jurnal Pengabdian Mandiri Media Ekonomi Media Bina Ilmiah DEDIKASI : Jurnal Pengabdian Kepada Masyarakat Jurnal Pengabdian Barelang Belalek Jurnal Pengabdian Masyarakat dan Riset Pendidikan Jurnal Ilmiah Bisnis dan Ekonomi Asia (Jibeka) E-Amal: Jurnal Pengabdian Kepada Masyarakat International Journal of Islamic Finance (IJIF)
Soeharjoto, Soeharjoto
Faculty Of Economics And Business, Universitas Trisakti, Jakarta, Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Transportation Other

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Journal : JURNAL ECONOMIA

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Comparative Analysis of the Determinant Factors of Return on Assets between Islamic Commercial Banks (BUS) and Islamic Business Units (UUS) Lucky Nugroho; Akhmad Amien Mastur; Ulfa Ulfa; Tri Wahyono; Soeharjoto Soeharjoto
Jurnal Economia Vol 17, No 1: April 2021
Publisher : Faculty of Economics Universitas Negeri Yogyakarta in collaboration with the Institute for

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1034.456 KB) | DOI: 10.21831/economia.v17i1.34853

Abstract

Abstract: This study aimed to analyze and compare the factors that affect the return on assets (ROA) of Islamic commercial banks (BUS) and Islamic business units (UUS). This study’s independent variables are NPF, FDR, and MSMEs. The study used the quantitative method, with multiple regression approaches in analyzing the research data. The results of this study show that the BUS NPF has a negative and significant impact on the BUS ROA; the BUS FDR has a positive and insignificant impact on the BUS ROA; the BUS MSMEs  portion of the BUS loan distribution has a negative and insignificant impact on the BUS ROA; the UUS NPF has a negative and significant impact on the UUS ROA; the UUS FDR has a positive and significant impact on the UUS ROA; and the MSMEs’ portion of the UUS loan distribution has a positive and significant impact on the UUS ROA.Keywords: BUS, UUS, Return on Asset, Non-Performing Financie, Financing to Deposit Ratio, MSME financing Analisis Perbandingan Determinan Faktor Return on Asset antara Bank Umum Syariah (BUS) dengan Unit Usaha Syariah (UUS)Abstrak: Penelitian ini bertujuan untuk menganalisa perbandingan variabel-variabel yang mempengaruhi return on asset pada Bank Umum Syariah (BUS) dengan Unit Usaha Syariah (UUS). Adapun variable-variabel bebas yang digunakan pada penelitian ini adalah non performing financing, financing to deposit ratio dan porsi penyaluran pinjaman usaha mikro, kecil dan menengah (UMKM). Metode yang digunakan adalah kuantitatif dengan pendekatan regresi berganda dalam melakukan analisa penelitian ini. Hasil dari penelitian ini diketahui bahwa NPF BUS berdampak negatif dan signifikan terhadap  ROA BUS; FDR BUS berdampak postif dan tidak signifikan terhadap ROA BUS; porsi penyaluran pinjaman UMKM BUS berdampak negatif dan tidak signifikan terhadap ROA BUS; NPF UUS berdampak negatif dan signifikan terhadap ROA UUS; FDR UUS berdampak positif dan signifikan terhadap ROA UUS; Porsi penyaluran pinjaman UMKM UUS berdampak positif dan signifikan terhadap ROA UUS.Kata kunci: BUS, UUS, ROA, NPF, FDR, Pembiayaan UMKM
Co-Authors A. A. Hubur AA Hubur Absoro, Heru Acep R Jayaprawira Acep R. Jayaprawira Ade Irma Nurhasanah Adhy Purnama, Adhy Adi Rosyadi Akhmad Amien Mastur Alifia Silvi Fatiha Amran, Ellyana Apollo Apollo Ardiyanto Ardiyanto Asep Rovi Nurjaman Astrid, Elvana Bahtiar Usman BUDI SANTOSA Christina Dwi Astuti Damayanti, Mutia Melina Darwin Hasiholan Debbie Aryani Tribudhi Debbie Aryani Tribudhi Debbie Aryani Tribudhi Debbie Aryani Tribudhi Debbie Aryani Tribudhi Debbie Aryani Tribudhi Deden Misbahudin Muayyad Deni Mukti Hidayat Dewi, Agnes Panca Dian Octaviani Dini Hariyanti Elvana Astrid Endang Jumali Erny Tajib Faisal, Yusuf Fatik Rahayu Gandhi Kuntoyudho Danova Harahap, Cicely Delfina Henny Setyo Lestari Heru Kurniawan Susilo Hubur, Aa Ida Busnetty Ida Busnetty Imam Zul Fikri Indanarto, Aries Lalu Masyhudi Lin Oktris Lucky Nugroho Lutfi, Muh. Yudhi Lydia Rosintan Simanjuntak Mardani, Yhani Masfar Gazali Masni Salfinnia Masni Salfinnia Mitha Rachma Oktavia Mona Adriana Patriyasa Muayyad, Deden Misbahudin Muhammad Fathurrahman Muhammad Zilal Hamzah Mutiara S Panggabean Mutiara Sibarani Panggabean Nazmel Nazir Nirdukita Ratnawati Nirdukita Ratnawati nirdukita ratnawati, nirdukita Nur Fadilah Nuraini Chaniago Nurlida Fatmikasari Putri, Alisa Noviani Rinaldi Rustam Rizqullah Rizqullah Rizqullah, Rizqullah Roikhan Mochamad Aziz, Roikhan Mochamad Ronny Andesto Rosiyana Muunawaroh, Rosiyana Rustam, Rinaldi S, Lydia Rosintan Sabur, Moch. Saiful Ali Salma, Nabila Inas Santosa, Wahyuningsih Saputro, Wahyu Angko Shafira Putri Salsabila Sisca Damayanti Slamet Wiyono Soeharjoto, Isamu Rafael Sofie Sumiyarti Sumiyarti Sumiyarti Sumiyarti Susy Muchtar Susy Muchtar Syarifuddin Mabe Parenreng Syofriza Syofyan Tatik Mariyanti, Tatik Teguh Supriyadi Tia Fitriyani Tri Kunawangsih P Tri Wahyono Tribudhi, Debbie Aryani Tribudhi, Debble Aryani Ulfa Ulfa Yadi Supriyadi Yananto Mihadi Putra Yusran, Husna Leila