Pengaruh Pembiayaan Bagi Hasil, Dana Pihak Ketiga Dan Beban Operasional Terhadap Tingkat Profitabilitas Perbankan Syariah

Rinda Asytuti (Fakultas Ekonomi dan Bisnis Islam, IAIN Pekalongan)
Anisah Santi (Fakultas Ekonomi dan Bisnis Islam, IAIN Pekalongan)

SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam
Vol 3 No 2 (2021)

This study examines the effect of profit-sharing financing, third-party funds, and operating expenses on the level of profitability of Islamic banking with the object of study at PT. BPR Syariah Semarang city in the 2013-2020 period. Sharia Banking is an intermediary financial institution whose role is to collect funds from the wider community. The data collection method in this study is library research using a total sample of 128 samples. The purposive sampling technique carried out the sampling technique. The results showed that profit-sharing financing, third-party funds, and operating expenses had a simultaneous effect on profitability. However, it partially shows that third-party funds and operating expenses have a significant negative effect on the profitability of Islamic banking, especially at PT. BPR Syariah Semarang city registered with OJK for the period 2013-2020.