PENGARUH DANA PIHAK KETIGA DAN PEMBIAYAAN TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA PERIODE 2014-2018

Abstract

Islamic banks are Islamic financial institutions whose main activities are collecting funds from the public or so-called third party funds and channeling them back to the public in the form of financing based on sharia principles with a certain margin so that Islamic banks can obtain profits or profits. The greater the third party funds raised and financing that is distributed, the greater the profit to be obtained. The purpose of this study is to determine whether third party funds and financing have a significant effect on the profitability of Islamic Commercial Banks in Indonesia for the 2014-2018 period. This type of research is a quantitative study using secondary data in the form of financial statements of several Sharia Commercial Banks in Indonesia and data analysis using multiple linear regression analysis methods.
 The results of this study indicate that partially Third Party Funds have no significant effect on the profitability of Sharia Commercial Banks in Indonesia with evidence of the results (t test) it is known that a significant value> 0.05 is equal to 0.411 and t count value <t table that is equal to 0.837 <2.069 . Financing also has no significant effect on the profitability of Sharia Commercial Banks in Indonesia with evidence of the results (t test) it is known that a significant value> 0.05 is equal to 0.274 and the calculated t value <t table is equal to -1,123 <2,069. While simultaneously Third Party Funds and Financing have a significant effect on the profitability of Sharia Commercial Banks in Indonesia with evidence of the results (F test) it is known that a significant value <0.05 is equal to 0.047 and a calculated F value> F table that is equal to 3.516> 3.44.