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Pendekatan Sharia Conformity dan Profitability Index dalam Menilai Kinerja Bank Umum Syariah Melalui Pertumbuhan Dana Pihak Ketiga Harahap, Rahmat Daim; Imsar, Imsar; Ramadhani, Hafiz Aryo
Bursa : Jurnal Ekonomi dan Bisnis Vol. 2 No. 3 (2023): September 2023
Publisher : Lembaga Riset Ilmiah, Yayasan Mentari Meraki Asa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jeb.v2i3.346

Abstract

Analyzing the growth of third-party funds through Sharia Income, Profit Sharing, Return on Assets, and Net Profit Margin in Sharia Commercial Banks for the 2016-2020 period is the aim of this research. The fluctuating movement of growth in Third Party Funds from year to year, both in terms of nominal and total, is an interesting thing to study in this research. The research method uses a quantitative approach with secondary data sources obtained from the official website of the Financial Services Authority (OJK), Sharia Banking Statistics (SPS), and the official website of each Islamic commercial bank. The sample uses a purposive sampling method. The analysis technique used is a multiple linear regression test using the SPSS 21 analysis tool. The results of this research show that the Sharia Income, Profit Sharing, ROA, and NPM variables together (simultaneously) have a positive and significant influence on the growth of Party Funds. Third BUS. Partially, the variables Sharia Income, Profit Sharing, ROA, and NPM have an influence on the Growth of Third Party Funds with a significance value of <0.05. Then there is a relationship between Sharia Income, Profit Sharing, ROA, and NPM on the Growth of Third Party Funds of Sharia Commercial Banks of 53.6% while the remaining 46.4% is explained by other factors outside the regression model of this research. Menganalisis pertumbuhan dana pihak ketiga melalui Pendapatan Syariah, Bagi Hasil, Return on Assets dan Net Profit Margin pada Bank Umum Syariah periode 2016-2020 menjadi tujuan penelitian ini. Pergerakan pertumbuhan Dana Pihak Ketiga yang berfluktuasi dari tahun ke tahun baik nominal maupun total menjadi hal yang menarik untuk dikaji dalam penelitian ini. Metode penelitian menggunakan pendekatan kuantitatif dengan sumber data sekunder yang diperoleh dari situs resmi Otoritas Jasa Keuangan (OJK), Statistik Perbankan Syariah (SPS), dan situs resmi masing-masing bank umum syariah. Sampelnya menggunakan metode purposive sampling. Teknik analisis yang digunakan adalah uji regresi linier berganda dengan menggunakan alat analisis SPSS 21. Hasil penelitian menunjukkan bahwa variabel Pendapatan Syariah, Bagi Hasil, ROA dan NPM secara bersama-sama (simultan) mempunyai pengaruh positif dan signifikan terhadap pertumbuhan Dana Partai. BUS Ketiga. Secara parsial variabel Pendapatan Syariah, Bagi Hasil, ROA, dan NPM mempunyai pengaruh terhadap Pertumbuhan Dana Pihak Ketiga dengan nilai signifikansi < 0,05. Kemudian terdapat hubungan Pendapatan Syariah, Bagi Hasil, ROA, dan NPM terhadap Pertumbuhan Dana Pihak Ketiga Bank Umum Syariah sebesar 53,6% sedangkan sisanya sebesar 46,4% dijelaskan oleh faktor lain di luar model regresi penelitian ini
Analisis Pengaruh Kinerja Bank Umum Syariah Dengan Pendekatan Sharia Conformity And Profitability (SCnP) Terhadap Pertumbuhan Dana Pihak Ketiga Harahap, Rahmat Daim; Imsar; Ramadhani, Hafiz Aryo
Balance : Jurnal Akuntansi dan Manajemen Vol. 1 No. 1 (2022): April 2022
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1228.109 KB) | DOI: 10.59086/jam.v1i1.10

Abstract

This research is motivated by the movement of Third Party Fund growth which fluctuates from year to year both in terms of nominal and amount in Islamic commercial banks. Therefore, it is necessary to measure the performance of Islamic banks using the concept of a combination of the sharia side and the conventional side. This study aims to determine the effect of Islamic income, profit sharing, return on assets, and net profit margin on the growth of third-party funds for Islamic commercial banks from 2016-to 2020. The research method uses a quantitative approach with data sources obtained from the official website of the Financial Services Authority, Islamic Banking Statistics, and the official website of each Islamic commercial bank. The analysis technique used is the multiple linear regression test. The results of this study indicate that the variables of Sharia Income, Profit Sharing, ROA, and NPM simultaneously have a positive and significant influence on the growth of BUS Third Party Funds. then partially this also applies. it can be stated that the measurement of the performance of Islamic commercial banks using the principles of sharia conformity and profitability can be used as a basis for sharia bank stakeholders to take future steps.