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Nursantri Yanti
Universitas Islam Negeri Sumatera Utara
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ANALYSIS OF THE EFFECT OF SMART IB SAVINGS AND DEPOSITS ON NET PROFIT AT BANK SUMUT SYARIAH MULTATULI BRANCH OFFICE FOR THE PERIOD 2021–2024 Dhea Dinanty; Muhammad Arif; Nursantri Yanti
ACCOUNT: Jurnal Akuntansi, Keuangan dan Perbankan Vol 13 No 1 (2026): Edisi Juni 2026
Publisher : Politeknik Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32722/account.v13i1.8432

Abstract

This study basically wants to see further how Smart IB savings and time deposits affect net income at PT Bank Sumut KCP Syariah Multatuli during the period 2021 to 2024. This interest arises because the bank's net profit is seen to fluctuate from time to time, while the third-party funds raised also undergo changes, not always consistent. To study it, a quantitative approach using causal associative research design is used, which is suitable for reading the cause-and-effect relationships between variables. The analyzed Data came from monthly financial statements for four years, totaling 48 samples. You could say that the data is representative enough to capture the patterns that occur, although of course there are still limits. The analysis process is carried out in stages, ranging from descriptive statistics for the general picture, followed by classical assumption tests, to multiple linear regression. In addition, partial test or t test, simultaneous test or F test, and coefficient of determination R2 are all processed using SPSS. Interestingly, the results showed that partially Smart IB Savings did not have a significant effect on net income. In contrast to other variables, deposits have been shown to have a noticeable effect, but in a negative direction. That is, an increase in deposits tends to be followed by a decrease in net income. However, when viewed together, Smart IB savings and fixed deposits have a significant effect on the bank's net profit. Sourced Adjusted R Square value obtained as much as 0.113, it can be interpreted that the two independent variables are only able to explain about 11.3% change in net income, while the other largest proportion is determined by variables that are not classified with this model. This finding indicates that the increase in third party funding is not certain to increase profitability if it is not adjusted to optimal financing management and operational efficiency. The results of this study are expected to be a reference, both scientifically and operationally, especially for decision makers in managing funds in the Islamic banking environment at the regional level. Keywords: Smart IB Savings; Time Deposit; Net Profit; Islamic Bank; Third party funds.
Co-Authors Ade Vitria Adelia Azizi Adinda Arafah Admar, Ok Agam Afrian Andika Yumna Afwan Hafizh Ahmad Amin Dalimunthe Ahmad Syakir Ajeng Manjana Aldino, Imam Alicia, Febi Amelia, Anika Ananda Ibnu Sobri Hsb Andri Soemitra Angga Lesmana Angga Putra Suhadi Anggara, Dwi Erlanda Anggraini, Bunga Anisya Putri Syam Sinambela Annio Indah Lestari Nasution Aqashah, Faisal Arafah, Adinda Arifin Fauzi Lubis Arnida Wahyuni Lubis Arnida Wahyuni Lubis Arya Farhan Asmuni Asshifa Nazila Aridzki Atika Atika Atika Atika Suri Azhri Akmal Tarigan Batubara, Soraya Alyya Syam Bi Rahmani, Nur Ahmadi Budi Harianto Budi Prianto Bunga Anggraini Dara Puspita Dedek Joefanny Della, Della Alvionita Desi Rahmawati Supraja Dhea Dinanty Dimas Azhari Dwi Septialamsyah Elsa, Nazwa Alpuja Erlina Erlina Erna Sipahutar Etika Manda Sari Rangkuti Fachry Abda El Rahman Fadila, Shintiya Fadilla Khairunnisya Siregar Februari, Budi Filda, Muhammad Amrozi Hafidah Ayu Kusnadi Hani, Zulfa Harahap, M. Ikhsan Harahap, Muhammad Ikhsan Hendra Harmain Hotmaida, Hotmaida Hsb, Sarmania Hutabarat, Nadya Namora Ian Alfian Iin Prasetyo Ilhami Nasution, Muhammad lathief Indah Wahyuni Indradewa, Rhian Juliana Nasution Juwairiazizah Rasta K, Kamilah Kamila K Kamilah, Kamilah Khairina, Nabila Lailanur Fadillah Nasution Larah, Anggi Dwi Laylan Syafina Lesmana, Angga Leswara, Malda Davitha Lisa Chintiya Tambunan Lubis, Herlina Lubis, Nursakilah Lubis, Nurul Amaliyah M Arif Haikal Lubis M. Ikhsan Harahap Maidalena, Maidalena Manurung, Ibnu Syawali Manurung, Khoirul Ardani Marliyah Marliyah Marliyah, Marliyah Marliyah, Marliyah Maryam Batubara Medeni, Desi Chintiara Miftahul Jannah Hasibuan Muhammad Andre Wardhana Muhammad Anwar Muhammad Arif Muhammad Arif Muhammad Arif Haikal Lubis Muhammad Da’i Arham Muhammad Farhan Muhammad Fauzan Muhammad Ikhsan Harahap Muhammad Lathief Ilhammy Nasution Muhammad Lathief Ilhamy Nasution Muhammad Naufal, Muhammad Muhammad Ramadhan Muhammad Syahbudi muhammad Syahbudi, muhammad Muhammad Zieo Addefrid Putra Munthe, Yusromuin Mustafa Khamal Rokan Nadya Ervina Nadya Namora Hutabarat Nasution, Annio Indah Lestari Nasution, Annio Indah Lestari Nasution, Fathia Zuhra Nasution, Juliana Nasution, Muhammad Lathief Ilhammy Nasution, Sakinah Jahrani Natasya, Adelia NUR AHMADI BI RAHMANI Nur Ahmadi Bi Rahmani Nuraini Nuraini Nurbaiti Nurhayani Nurhayani Nuri Aslami Nurlaila Nurlaila Nurul Inayah Nurul Inayah Nurul Inayah Nurul Jannah Nurul Wahidah Nurwani Ongku Indramora Siregar Pakpahan, Jiyad Faqih Pulungan, Silviani Purba, Febri Andriawan Puspa, Chairunnisa Dian Putri Dini Agustin Putri, Dinda Karunia Putri, Riri Dwita Rafika Afifah Angkat Rafli, Mhd Rahma, Tri Inda Fadhila Rahmad Syah Rizal Rahmatul Fadilah Rahmi Syahriza Rahmi Syahriza, Rahmi Reni Dwijaya RENI TANIA PURBA Reni Yusnita Ridayanti Ridayanti Risma Warti Ritonga, Aprilia Amanda Ritonga, Dendi Dwi Ritonga, Lilis Suryani Rizki Hambali Hsb Sahri Aramiko Saidah Khairiyah Hasibuan Salman Al-faridzi Salsabila, Hana Saparuddin Siregar Sari, Della Puspita Shabira, Yusra Shintiya Fadila Silalahi, Purnama Ramadani Silvia Anggrie Nst Silvia Fransiska Simanjuntak, Indah Siregar, Atika Siti Hot Nita Hasibuan Siti Rohani Siti Zumara Sri Mutia Fazira Sri Ramadhani Sri Sudiarti sri sudiarti sri sudiarti Sri Sudiarti Sri Sudiarti Suhairi Suhairi Sulistya Ningsih, Inten Suri, Atika Susi Apriliani Syakir, Ahmad Tiwi Bastari Batubara Tri Inda Fadhila Rahma Tri Inda Fadhila Rahma Tri Inda Fadhila Rahma Tri Inda Fadhila Rahma Trisnawati Tuti Anggraini Tuti Anggraini Vania Sally Nabila Wahyu Syarvina Waizul Qarni Wicaksana Dwi Prasetiyo Wili Dani Anwar Soleh Siregar Winda Irmayani Sijabat Windy Puspita Yenni Samri Juliati Nasution YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yuhda, Ahmad Sabili Yuliana Yuliana Yusra Amelia Hsb Zainarti Zuhrinal M. Nawawi Zulfa Khoiriah Zulfahani