Abstract
This study examines the effect of diversification of financing based on type of contract, type of usage, and economic sector to the profitability at the Islamic bank. Diversification of financing proxied by Hirchman Herfindahl Index (HHI), and the profitability proxied by Return on Assets (ROA) was measured using the distribution of pre-tax profit to average total assets. This study uses secondary data obtained from the publication of the report the Financial Services Authority (OJK) in the period January 2013 to December 2017. The data analysis technique used in this research is multiple linear regression. The results of this study are partially diversification of financing based on type of contract does not affect the ROA at the Islamic bank, diversification of financing based on type of usage has a positive and significant effect to ROA at the Islamic bank., and diversification of financing based on economic sector has a negative and significant effect to ROA at the Islamic bank.. While simultaneously, the diversification of financing based on type of contract, type of usage, and economic sector influence on ROA at the Islamic bank. Keywords: Diversification of financing based of economic sector, type of contract, type of usage, Return on Asset (ROA)
Highlights
PENDAHULUAN Pembiayaan merupakan salah satu produk yang terdapat di bank syariah
This study examines the effect of diversification of financing based on type of contract, type of usage, and economic sector to the profitability at the Islamic bank
Sehingga secara simultan diversifikasi pembiayaan berdasarkan jenis akad, diversifikasi pembiayaan berdasarkan penggunaan pembiayaan dan diversifikasi pembiayaan berdasarkan sektor ekonomi dapat digunakan sebagai upaya untuk meningkatkan profitabilitas di bank syariah
Summary
Berdasarkan pada tabel 2 diketahui bahwa diversifikasi pembiayaan berdasarkan jenis akad memiliki nilai minimal sebesar 0,41, nilai maksimal 0,43, dan rata-rata 0,4185 dengan standar deviasi sebesar 0,0596. Diversifikasi pembiayaan berdasarkan sektor ekonomi memiliki nilai minimal sebesar 0,14, nilai maksimal sebesar 0,37 dan rata-rata. Untuk ROA memiliki nilai minimal sebesar 0,08, nilai maksimal sebesar 2,52 dan rata-rata sebesar 1,0387 dengan standar deviasi 0,61169. Berdasarkan tabel 4 dapat dilihat bahwa besarnya nilai t hitung untuk variabel diversifikasi pembiayaan berdasarkan jenis akad sebesar -1,262 dengan tingkat signifikansi 0,212 (0,212 > 0,05) yang berarti bahwa diversifikasi pembiayaan berdasarkan jenis akad tidak berpengaruh terhadap ROA. Sementara besarnya nilai t hitung untuk variabel diversifkasi pembiayaan berdasarkan penggunaan pembiayaan sebesar 9,243 dengan tingkat signifikansi sebesar 0,000 (0,000 < 0,05), yang berarti bahwa diversifikasi pembiayaan berdasarkan penggunaan pembiayaan berpengaruh positif dan signifikan terhadap ROA.
Sign-in/Register to view highlights & summary Talk to us
Join us for a 30 min session where you can share your feedback and ask us any queries you have
Schedule a callDisclaimer: All third-party content on this website/platform is and will remain the property of their respective owners and is provided on "as is" basis without any warranties, express or implied. Use of third-party content does not indicate any affiliation, sponsorship with or endorsement by them. Any references to third-party content is to identify the corresponding services and shall be considered fair use under The CopyrightLaw.
