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All Journal Al-Kharaj: Journal of Islamic Economic and Business Robust: Research of Business and Economics Studies
Miswar Rohansyah
IAIN Kendari
Religion Humanities Economics, Econometrics & Finance Social Sciences

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Pengaruh NPF Dan FDR Terhadap ROA Bank Syariah Di Indonesia Miswar Rohansyah
Robust: Research of Business and Economics Studies Vol 1, No 1 (2021): Robust Edisi 1
Publisher : IAIN Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1334.254 KB) | DOI: 10.31332/robust.v1i1.2620

Abstract

Penelitian ini dilakukan untuk menguji pengaruh Non Performing Financing (NPF) dan Financing to Deposit Ratio (FDR) terhadap Return On Asset (ROA) perbankan syariah di indonesia. Sampel yang digunakan dalam penelitian ini sebanyak 7 perusahaan perbankan syariah dengan rentang waktu pengamatan dari 2014 – 2018. Data dalam penelitian ini diolah menggunakan Eviews 10. Hasil penelitian menunjukkan bahwa NPF terhadap ROA memiliki nilai probabilitas atau signifikansi sebesar 0.0161 dan nilai Coefficient Beta sebesar -0.176136 maka dapat disimpulkan bahwa NPF berpengaruh negatif dan signifikan terhadap ROA. FDR terhadap ROA memiliki nilai probabilitas atau signifikansi sebesar 0.3840 dan nilai Coefficient Beta sebesar -0.012821 maka dapat disimpulkan bahwa FDR berpengaruh negatif dan tidak signifikan terhadap ROA. NPF dan FDR secara simultan terhadap ROA memiliki nilai signifikansi sebesar 0.000200 < 0.05 hal ini berarti secara simultan variabel NPF dan FDR secara simultan berpengaruh signifikan terhadap ROA. Sedangkan nilai R-squared sebesar 0.650668 atau 65.07%. artinya bahwa, variabel NPF dan FDR dapat menjelaskan variabel ROA sebesar 65.07% sedangkan sisanya 34.93% dijelaskan oleh variabel lain.
The Effect Of Interest Rates And Profit Sharing Ratios On The Collection Of Third Party Funds Miswar Rohansyah; Yanti Yanti; Abdul Wahid Mongkito; Alfian Toar; Nik Adzrieman bin Abdul Rahman
Al-Kharaj: Journal of Islamic Economic and Business Vol. 5 No. 4 (2023): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v5i4.4689

Abstract

Third Party Funds (DPK) at Sharia Commercial Banks (BUS) are funds sourced from the wider community collected by the bank through the products offered such as savings, deposits and current accounts based on sharia principles. The movement of third party funds can be influenced by several external and internal factors rather than the bank itself. This research aims to test whether the interest rate and profit sharing ratio have an effect on the collection of third party funds in Islamic commercial banks that have registered with OJK for the 2015-2021 period partially and simultaneously. This research is research quantitative, the data source uses secondary data in the form of 84 time series sample. The method used in this research is a multiple linear regression method with the help of the SPSS version 25 program. Partial research results (t test) show that the variable, the interest rate, has a negative and significant effect on third party funds and the profit sharing ratio variable has a positive and positive effect. significant impact on third party funds. Simultaneously (f test) shows that the interest rate and profit sharing ratio influence third party funds in Islamic commercial banks in Indonesia.
Co-Authors Abdul Wahid Mongkito Alfian Toar Nik Adzrieman Bin Abdul Rahman Yanti Yanti