Analisis Faktor-Faktor yang Mempengaruhi Pembagian Bagi Hasil Akad Mudharabah Bank Umum Syariah di Indonesia Tahun 2017-2019

Mahfudhoh, Annadya Intar and , Eni Setyowati, S.E, M.Si and , Dr. Imron Rosyadi, M. Ag. (2022) Analisis Faktor-Faktor yang Mempengaruhi Pembagian Bagi Hasil Akad Mudharabah Bank Umum Syariah di Indonesia Tahun 2017-2019. Skripsi thesis, Universitas Muhammadiyah Surakarta.

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Abstract

This study aims to analyze the partial effect of the variables CAR, TPF, FDR, INF, ROA, and NPF on the Profit Sharing of Islamic Commercial Banks in Indonesia and to analyze the simultaneous effect of the variables CAR, TPF, FDR, INF, ROA, and NPF on the Bank's Profit Sharing. General Sharia in Indonesia. The object of this research is Islamic Commercial Banks in Indonesia. This type of research is quantitative research with data analysis method using eviews 10 software. Meanwhile, for data analysis using dynamic linear regression analysis with OLS (Ordinary Least Square) analysis method. The results showed that the results of this study stated that the variables CAR, FDR, TPF, BOPO and NPF had a significant effect on Mudharabah Profit Sharing for Islamic Commercial Banks, where the CAR variable had a positive and significant effect on Mudharabah Profit Sharing, the FDR variable had a significant positive effect on the level of profit sharing, TPF variable has a positive and significant effect on mudharabah profit sharing because TPF is the most important source of Islamic banking funding, the greater the amount of TPF collected by Islamic banking from the community, the greater the financing that will be provided by Islamic banking to the public, and the NPF variable negative and significant effect. If the NPF value is small, it is assumed that the credit risk that will be borne by the bank will also be smaller. On the other hand, the higher the NPF value, the less healthy the bank. As a result of the existence of the NPF, it will have an impact on the loss of opportunities for the bank to obtain income from the financing it provides, thereby reducing profits and having a negative impact on bank profitability and the level of profit sharing that will be given to customers.

Item Type:	Thesis (Skripsi)
Uncontrolled Keywords:	profit sharing, mudharabah contract, sharia commercial bank
Subjects:	B Philosophy (General) > BA Islam > BA12 Hukum Ekonomi Islam H Social Sciences > HC Economic Development H Social Sciences > HJ Public Finance
Divisions:	Fakultas Ekonomi dan Bisnis > Ilmu Ekonomi dan Studi Pembangunan
Depositing User:	ANNADYA INTAR MAHFUDHOH
Date Deposited:	25 Jul 2022 04:51
Last Modified:	25 Jul 2022 04:51
URI:	http://eprints.ums.ac.id/id/eprint/101873

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