Analisis Pengaruh Dana Pihak Ketiga, Pembiayaan, Bancassurance Terhadap Laba Dan Dampaknya Pada Kesejahteraan Masyarakat (Studi Kasus Bank Syariah Di Indonesia)

Abstract

This study aims to determine how the direct influence of deposits, financing and bancassurance on the profits of Islamic banks and the welfare of society and indirect influence or through the intervening variables of profits on the welfare of society and total influence. This type of research is quantitative research. Data collection methods used are documentation methods based on data in the form of monthly financial statements for the period 2014-2018 and per capita income data that has been published. The method of data analysis in this study is by using the path analysis method. The results of the study show that financing significantly affects earnings while third party funds and bancassurance do not directly affect earnings. Deposits and profits of Islamic banks significantly influence directly on public welfare and bancassurance negatively influences people's welfare while financing does not. Financing indirectly significantly influences welfare through profit variables, whereas DPK and bancassurance do not. Business activities of Islamic banks have a role in addition to achieving company profits, also have a positive impact on the welfare of the Indonesian people. Funding and third party funds that generate profits are a determining factor for improving community welfare rather than bancassurance sales. AbstrakPenelitian ini bertujuan untuk mengetahui bagaimana pengaruh langsung DPK, pembiayaan dan bancassurance terhadap laba bank syariah dan kesejahteraan masyarakat serta pengaruh tidak langsung atau melalui variabel intervening laba terhadap kesejahteraan masyarkat dan pengaruh total. Jenis penelitian ini adalah penelitian kuantitatif. Metode pengumpulan data yang digunakan yaitu metode dokumentasi berdasarkan data-data berupa laporan keuangan bulanan periode 2014-2018 dan data pendapatan perkapita yang telah dipublikasikan. Metode analisis data dalam penelitian ini yaitu dengan menggunakan metode analisis jalur. Hasil penelitian menunjukkan bahwa pembiayaan signifikan mempengaruhi laba sedangkan dana pihak ketiga dan bancassurance tidak berpengaruh langsung terhadap laba.DPK dan laba bank syariah signifikan mempengaruhi langsung terhadap kesejahteraan masyarakat dan bancassurance secara negatif mempengaruhi kesejahteraan masyarakat sedangkan pembiayaan tidak. Pembiayaan secara tidak langsung signifikan mempengaruhi kesejahteraan

The Effect of Third Party Funds and Assets on Profits at PT. Riau Kepri Syariah Regional Development Bank

“…The results showed the rejection of the hypothesis that it was suspected that third-party funds partially affected profits. This result is in line with research conducted by Putra, et al, (2019) and Sari, et al, (2022). Third party funds are funds collected by banks from the wider community, consisting of deposits (deman deposits), savings deposits (saving deposits) and deposit deposits (timedeposits).…”

“…Research on the effect of third party funds on profits has been conducted by Dewisari and Nurjanah (2021); Jamhuriah and Nurhayati (2021) and Permatasari, et al, (2023) with the results of research on third party funds affect profits. Different research results were put forward by Putra, et al, (2019) and Sari, et al, (2022) who stated that third-party funds had no effect on profits.…”

Performance assessment of bank XYZ DKI Jakarta branch using the balanced scorecard approach in the pandemi era of Covid 19

“…These results are in line with the research of Putra et al ., (2019) which states that the customer perspective of third party funds has a significant but negative effect because funds arising from the collection of third party funds can deplete net profit, especially if deposits are dominated compared to savings and current accounts so that the higher the third party funds will reduce the financial perspective of Bank XYZ. The customer perspective that has a negative effect on finance is third party funds.…”

Analisis Pengaruh Bancassurance dan Tingkat Kecukupan Modal terhadap Profitabilitas Bank Pembangunan Daerah Tahun 2018-2022

“…Bancassurance merupakan produk hasil kerja sama antara bank dengan pihak asuransi melalui penawaran produk asuransi bagi pengguna jasa bank tersebut. Putra et al (2019) mengatakan bancassurance adalah aktivitas pemasaran produk assuransi oleh bank yang didasari variabel antara bank dan perusahaan asuransi yang pelayanannya bertujuan memenuhi kebutuhan nasabah dan memberikan solusi menyeluruh berupa proteksi terhadap risiko. Selain itu keuntungan yang akan diperoleh oleh bank berupa peningkatan pada fee based income.…”

“…Selain itu keuntungan yang akan diperoleh oleh bank berupa peningkatan pada fee based income. Bancassurance menurut Putra et al (2019) dapat dirumuskan sebagai berikut:…”