Analisis Faktor-Faktor yang Mempengaruhi Pembiayaan Bagi Hasil Pada Bank Umum Syariah Indonesia

Abstract

This study uses independent variables, namely FDR, TPF, ROA. The dependent variable used is Profit Sharing Financing. The population in this study is Indonesian Islamic Commercial Banks. Samples were selected using purposive sampling method. In this study, there were 11 Islamic Commercial Banks with a research period of 5 years. The sample used in this study amounted to 55. The analytical method used in this research is multiple linear regression analysis which is processed using SPSS 25 and Microsoft Excel applications. The results of this study partially show that FDR, DPK, and ROA have no effect on the financing of profit-sharing financing, while the DPK variable has a significant effect on profit-sharing financing. Based on the research results, the ratio of FDR, DPK, and ROA simultaneously has a significant effect on profit sharing financing at Indonesian Islamic Commercial Banks. Based on the results of simultaneous and partial research, it is concluded that the most dominant influence on profit sharing financing in Indonesia in this study is the DPK variable.

Penerapan Multivariate Adaptive Regression Splines Untuk Analisis Faktor Yang Mempengaruhi Kelayakan Nasabah Yang Mengajukan Pembiayaan

“…Akan tetapi sebagian besar hanya menggunakan variabel yang diduga mempengaruhi pembiayaan dari salah satu pihak saja yaitu dari pihak eksternal atau nasabah saja maupun dari pihak internal atau pihak bank saja tanpa memperhatikan faktor penyebab dari pihak yang lain. Olehkarena itu usaha untuk meminimalisir resiko pembiayaan kurang maksimal (Jannah & Primitasari, 2023), (Nursafitri et al, 2023), (Haryanti et al, 2022). Selain itu pada penelitian terdahulu hanya medapatkan faktor yang secara signifikan mempengaruhi pembiayaan saja tanpa mengetahui lebih lanjut karakteristik dari nasabahnya (Ningsih, 2017), (Nafis & Sudarsono, 2021), (Kholipah & Kurniasih, 2017).…”

Solvency Ratio Analysis to Assess Financial Performance in Insurance Companies: Case Study PT. Taspen Life Insurance

“…Thus, it can be known how the operating results (profit or loss) obtained during a certain period from the income statement (Elsawati, Widuri, & Sutapa, 2023). With financial performance, we can see a picture of the company's financial condition in a certain period both regarding aspects of raising funds and distributing funds which are usually measured by indicators of liquidity ratios, solvency ratios, and profitability in the form of financial performance reports (Sudharyati, Nengsih, Anggraini, Efrina, & Ismail, 2022); (HORIJAH, 2021). Financial performance reports are part of important company documents, where this document state how the company's condition in terms of raising funds and distributing funds.…”