Abstract
This study aims to obtain empirical evidence related to the influence of Indonesian Muamalat bank profitability. Characteristics of the influence of wadi'ah demand deposits, wadi’ah savings and mudharabah savings. This study uses secondary data with quarterly financial data population of PT. Bank Muamalat Indonesia from 2011 to 2018. The sampling technique uses quarterly financial data of PT. Bank Muamalat Indonesia has 32 data. The analytical tool used is multiple regression analysis. The results showed that the wadi'ah giro variable partially had a significant effect on profit / ROA. Show that t count is 2,356 ≥ t table is 1,699 while the value of Sig. t 0.026 ≤ Sig.α 0.05. Wadi'ah savings variable partially has a significant effect on profit / ROA. Shows that t count is - 3,135 ≤ t table is 1,699 while Sig. 0.004 ≤ α 0.05. Mudharabah savings variable partially has a significant effect on profit / ROA. Shows that t arithmetic of - 0.334 ≤ t table of 1.699 while the value of Sig. α 0.741 ≥ 0.05, then Ho is rejected and H1 is accepted. The results showed that multiple regression analysis obtained the coefficient of determination (R2) was 0.412 or equal to 41.2%. This means that Wadi'ah Giro, Wadi'ah Savings and Mudharabah Savings jointly affect bank profitability.
Highlights
Perbankan di Indonesia kini makin diramaikan dengan adanya Bank Syari’ah yang menawarkan produk keuangan dan investasi dengan cara yang berbeda dibanding bank konvensional yang sudah lama ada
This study aims to obtain empirical evidence related to the influence of Indonesian Muamalat bank profitability
The results showed that the wadi'ah giro variable partially had a significant effect on profit / ROA
Summary
Perbankan di Indonesia kini makin diramaikan dengan adanya Bank Syari’ah yang menawarkan produk keuangan dan investasi dengan cara yang berbeda dibanding bank konvensional yang sudah lama ada. Mulai dari produk penghimpunan dana dan pembiayaan, produk tersebut yang berguna untuk kelancaran operasional Bank Syari’ah dalam menjalankan usahanya dan memperoleh laba. Masyarakat yang menempatkan dananya dalam bentuk simpanan akan mendapatkan bonus yang besar tergantung pada bank syari’ah (Ismail, 2014). Jurnal Ilmiah Ekonomi Islam, 6(03), 2020, 717 utama di Indonesia, dominan di pasar spiritual, dikagumi di pasar rasional”, dan Misi “Menjadi ROLE MODEL Lembaga Keuangan Syari’ah dunia dengan penekanan pada semangat kewirausahaan, keunggulan manajemen dan orientasi investasi yang inovatif untuk memaksimumkan nilai bagi stakeholder. DPK berfungsi untuk menjaga kelancaran operasional Bank Syari’ah, maka semakin bertambah DPK, akan memberikan profitabilitas yang baik pula jika pemanfaatan DPK dijalankan dengan optimal. Dana dari pihak ketiga apabila dimanfaatkan dengan baik tentunya akan berpengaruh terhadap Profitabilitas Bank Syari’ah. Analisis rasio profitability dapat dilakukan dengan mengukur return on asset dan return on equity (Ismail, 2014)
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