Jurnal Samudra Ekonomika
Vol 10 No 2 (2026): Jurnal Samuka

PENGARUH PERKEMBANGAN TRANSAKSI DIGITAL DAN DANA PIHAK KETIGA (DPK) TERHADAP PEMBIAYAAN BAGI HASIL PADA BANK ACEH SYARIAH PERIODE 2020-2024

Mutia Sumarni (Unknown)
Febi Fauziah (Institut Agama Islam Negeri Langsa, Kota Langsa)
Fakhrizal Fakhrizal (Institut Agama Islam Negeri Langsa, Kota Langsa)



Article Info

Publish Date
13 Oct 2026

Abstract

The purpose of this study is to analyze the effect of digital transaction development and Third-Party Funds (DPK) on profit-sharing financing at Bank Aceh Syariah during the 2020–2024 period. The population of this research includes all financial reports and digital transaction data of Bank Aceh Syariah within the specified period. This study employs a quantitative research approach using secondary data obtained from the annual reports and official publications of Bank Aceh Syariah as well as supporting data from Bank Indonesia. The analytical techniques used include descriptive variable analysis, classical assumption tests, multiple linear regression analysis, F-test (simultaneous test), t-test (partial test), and coefficient of determination (R²) to measure the strength of the relationship between variables. The results indicate that partially, the digital transaction variable (X1) has a positive and significant effect on profit-sharing financing with a significance value of 0.024 < 0.05. Similarly, the Third-Party Funds (DPK) variable (X2) also has a positive and significant effect on profit-sharing financing with a significance value of 0.042 < 0.05. Simultaneously, both variables have a significant effect on profit-sharing financing, with an F-statistic value of 25.185 and Sig. 0.038 < 0.05. The R² value of 0.710 shows that 96% of the variation in profit-sharing financing is explained by digital transactions and DPK, while the remaining 4% is influenced by other factors outside the research model.THE INFLUENCE OF DIGITAL TRANSACTIONS AND THIRD PARTY FUNDS (DPK) DEVELOPMENT ON PROFIT-SHARING FINANCING AT BANK ACEH SYARIAH IN THE 2020-2024 PERIOD

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Journal Info

Abbrev

jse

Publisher

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

Description

Jurnal Samudra Ekonomika diterbitkan sejak tahun 2017 dan terbit 2 kali setahun pada bulan Maret dan September. Jurnal Samudra Ekonomika merupakan wahana penyebarluasan hasil penelitian dan telaah koseptual dalam bidang Ilmu Ekonomi dan Studi Pembangunan yang bertujuan menciptakan forum komunikasi ...