Syahputri, St. Elmiana Febri and Laila Masruro Pimada, (2022) Analisis Faktor-Faktor Yang Mempengaruhi Profitabilitas Bank Umum Syariah Di Indonesia. Sarjana thesis, Universitas Brawijaya.
Abstract
Dana Pihak Ketiga bank umum syariah periode 2015-2021 terus mengalami kenaikan, begitu pula dengan pembiayaan. Akan tetapi profitabilitas bank umum syariah dalam rentang tahun tersebut berfluktuatif cenderung di bawah 1,5% yang menyebabkan rata-rata Return on Asset tahun 2015-2021 berada di bawah peringkat sehat yaitu 1,1%. tahun 2017 DPK & pembiayaan mengalami kenaikan akan tetapi nilai ROA cenderung tetap, tahun 2020 kenaikan DPK dan pembiayaan berbanding terbalik terhadap rasio ROA yang justru menurun. Fenomena tersebut tidak sesuai dengan teori yang menyatakan semakin banyak penyaluran pembiayaan maka rasio ROA juga akan semakin besar. Karena sektor perbankan sering dianggap sebagai jantung dan penggerak perekonomian negara serta profitabilitas penting untuk keberlangsungan perbankan. Perlu dilakukan penelitian mengenai determinan yang mempengaruhi profitabilitas bank umum syariah. Dengan begitu penelitian ini bertujuan untuk menganalisis pengaruh DPK, NPF, BOPO dan SBIS terhadap ROA. Metode yang digunakan yaitu kuantitatif dengan analisis model vector auto regression. Berdasarkan hasil estimasi DPK, NPF dan BOPO tidak berpengaruh sedangkan SBIS berpengaruh positif terhadap ROA.
English Abstract
Third-party funds of Islamic commercial bank in period of 2015-2021 have been increasing, as well as the matter of financing. However, the profitability of Islamic commercial bank during those years were fluctuating below 1,5% which affected the average of Return on Assets in 2015-2021 below a healthy level of 1,1%. In 2017, the third-party funds and financing has been increased, but ROA value tended to be constant, while in 2020, the increase of third-party funds and financing was inversely proportional to ROA ratio value that was actually decreased. This phenomenon incompatibility with theory has stated that the higher distribution of financing, it would determine the higher ROA ratio. Since, banking sector was often regarded as a heart of driving force of the country’s economy and profitability was significant for banking continuity. It needed to conduct a research on determinants that affected profitability of Islamic commercial banks. Hence, this research was aimed to analyse the effects of third-party funds, NPF, Operational Cost, and SBIS on ROA. The method in this research was quantitative with vector auto regression model as the analysis method. Based on the result of estimation, the third-party funds, NPF, and Operational Cost did not affect, but SBIS affected positively on ROA
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | :0522020511 |
| Uncontrolled Keywords: | Profitabilitas; Bank Umum Syariah; Vector Auto Regression, Profitability; Islamic Commercial Banks; Vector Auto Regression. |
| Subjects: | 300 Social sciences > 330 Economics |
| Divisions: | Fakultas Ekonomi dan Bisnis > Ilmu Ekonomi |
| Depositing User: | Nur Cholis |
| Date Deposited: | 25 Jul 2023 07:03 |
| Last Modified: | 25 Jul 2023 07:03 |
| URI: | http://repository.ub.ac.id/id/eprint/202116 |
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