Analisis Pengaruh Rasio Keuangan terhadap Nilai Profit Sharing Deposito Mudharabah Perbankan Syariah di Indonesia dan Malaysia Tahun 2017-2023

Supriyati, Lala (2024) Analisis Pengaruh Rasio Keuangan terhadap Nilai Profit Sharing Deposito Mudharabah Perbankan Syariah di Indonesia dan Malaysia Tahun 2017-2023. Undergraduate Thesis thesis, UIN K.H. ABDURRAHMAN WAHID PEKALONGAN.

	Text 4120038_Cover_Bab I dan Bab V.pdf Download (792kB)
	Text 4120038_Full Text.pdf Download (1MB)

Abstract

ABSTRAK Supriyati. Lala. Analisis Pengaruh Rasio Keuangan terhadap Nilai Profit Sharing Deposito Mudharabah Perbankan Syariah di Indonesia dan Malaysia Tahun 2017-2023. Profit sharing atau disebut dengan bagi hasil merupakan karakteristik umum bagi lembaga keuangan syariah. Berdasarkan sistem ini, lembaga keuangan syariah dapat memiliki fungsi sebagai pemilik dana dan peminjam dana. Sebagai pemilik dana hadir produk bagi hasil dengan akad mudharabah, dimana sebuah akad kerja sama yang memiliki konsekuensi paling tinggi diantara akad-akad yang tersedia. Penelitian ini bertujuan untuk mengetahui pengaruh Return On Assets, Return On Equity, Biaya Operasional dan Pendapatan Operasional, Financing to Deposits Ratio, dan Non Performing Financing terhadap nilai profit sharing deposito Mudharabah. Sampel penelitian ini adalah Bank Umum Syariah yang terdaftar di Otoritas Jasa Keuangan Indonesia dan Bank Negara Malaysia pada tahun 2017-2023, didapatkan sebanyak 9 Bank Umum Syariah di Indonesia dan 8 Bank Umum Syariah di Malaysia dengan metode purposive sampling. Penelitian ini menggunakan metode kuantitatif dengan Analisis data berupa analisis regresi linier berganda dengan menggunakan IBM SPSS Statistic 26. Hasil penelitian pada Bank Umum Syariah di Indonesia menunjukkan jika variabel Return On Assets berpengaruh negatif dan signifikan terhadap nilai profit sharing deposito mudharabah. sedangkan variabel Return On Equity, Biaya Operasional dan Pendapatan Operasional, Financing to Deposit Ratio, dan Non Performing Financing tidak berpengaruh terhadap nilai profit sharing deposito mudharabah. Sementara itu, pada hasil penelitian pada Bank Umum Syariah di Malaysia menunjukkan jika variabel Return On Assets dan Return On Equity berpengaruh terhadap nilai profit sharing deposito mudharabah. sedangkan variabel Biaya Operasional dan Pendapatan Operasional, Financing to Deposit Ratio, dan Non Performing Financing tidak berpengaruh terhadap nilai profit sharing deposito mudharabah. Kata Kunci: Return On Assets, Return On Equity, Biaya Operasional dan Pendapatan Operasional, Financing to Deposit Ratio, Non Performing Financing, dan Profit Sharing deposito Mudharabah.   ABSTRACT Supriyati. Lala. Analysis of the Impact of the Financial Ratio on the Value of Profit Sharing of Sharia Banking Deposits in Indonesia and Malaysia in 2017–2023. Profit sharing is a common characteristic of Sharia financial institutions. Based on this system, Shariah financial institutions can function as fund owners and lenders. The study aims to determine the impact of return on assets, return on equity, operating costs and operating revenue, financing to deposit ratio, and non-performing finance on the value of the profit sharing of Mudharabah deposits. The sample of this research is Shariah General Bank, registered with the Indonesian Financial Services Authority and the Bank of Malaysia State in 2017–2023, obtained from as many as nine Shariah General Banks in Indonesia and eight Shariah General Banks in Malaysia by the purposive sampling method. This research uses a quantitative method with data analysis as a double linear regression analysis using IBM SPSS Statistic 26. The results of research at the Shariah General Bank in Indonesia show that the variable Return on Assets has a negative and significant impact on the value of the profit sharing of deposits. While the variables Return on Equity, Operational Costs and Operational Revenue, Financing to Deposit Ratio, and Non-Performing Finance do not have an effect on the profit sharing value of deposit deposits, the results of the study at the Shariah General Bank in Malaysia show that return on assets and return on equity have an influence on the share value of the profit of the deposit. Keywords: Return on Assets, Return on Equity, Operational Costs and Operational Revenue, Financing to Deposit Ratio, and Non-Performing Finance, and Profit Sharing deposit Mudharabah.

Actions (login required)

View Item