Atin, Andriyani (2021) PENGARUH TINGKAT KEUNTUNGAN,EQUIVALENT RATE,JUMLAH KANTOR TERHADAP DANA PIHAK KETIGA PADA BANK UMUM SYARIAH DI INDONESIA (PERIODE TAHUN 2015-2019). Skripsi thesis, IAIN PURWOKERTO.
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Abstract
Sumber dana merupakan hal terpenting bagi bank untuk dapat meningkatkan jumlah kredit yang akan diberikan ke masyarakat. Bank syariah memiliki sumber dana yang berasal dari pihak ketiga. Dana pihak ketiga merupakan dana dalam bentuk rupiah maupun valuta asing milik pihak ketiga (masyarakat) bukan bank yang terdiri dari tabungan dan simpana berjangka dan giro dan deposito. Faktor internal yang mempengaruhi besarnya DPK dari segi kinerja keuangan dan layanan meliputi equivalent rate, ptofitabilitas dan jumlah kantor. Penelitian ini dilakukan untuk menguji Pengaruh Tingkat Keuntungan, Equivalent Rate, dan Jumlah Kantor terhadap Dana Pihak Ketiga pada Bank Umum Syariah di Indonesia Periode tahun 2015-2019. Metode penelitian menggunakan pendekatan kuantitatif. Variabel dependen dalam penelitian ini adalah Dana Pihak Ketiga, serta variabel independen dalam penelitian ini adalah , tingkat keuntungan, equivalent rate dan jumlah kantor. Sampel menggunakan metode Sampling Jenuh. Jenis data yang digunakan ialah data sekunder yang didapat dari website resmi Otoritas Jasa Keuangan (OJK) Statistik Perbankan Syariah (SPS). Teknik analisis yang digunakan adalah regresi linier berganda. Berdasarkan hasil penelitian menunjukan bahwa secara parsial variabel ROA (Return On Assets) dan Equvalent Rate berpengaruh signifikan terhadap Dana Pihak Ketiga. Sedangkan variabel Jumlah Kantor tidak menunjukan pengaruh yang signifikan terhadap Dana Pihak Ketiga. Kemudian hasil secara simultan menunjukan bahwa variabel ROA (Return On Assets), Equvalent Rate dan Jumlah Kantor mempunyai pengaru yang signifikan terhadap Dana Pihak Ketiga. Pada analisis koefisien determinasi (R2) menunjukan bahwa pengaruh variabel ROA (Return On Assets), Equivalent Rate, dan Jumlah Kantor terhadap Dana Pihak Ketiga sebesar 86,5% dan sebesar 13,5% dipengaruhi faktor lain yang tidak diteliti. THE EFFECT OF PROFIT RATE, EQUIVALENT RATE, AND NUMBER OF OFFICES ON THIRD PARTY FUNDS IN SHARIA COMMERCIAL BANKS IN INDONESIA (PERIOD 2015-2019) ATIN ANDRIYANI NIM. 1617202088 E-mail: [email protected] Islamic Banking Departement, Faculty of Economics and Business Islam Purwokerto State Islamic Institute (IAIN) ABSTRACT The source of funds is the most important thing for banks to be able to increase the amount of credit that will be given to the community. Sharia banks have sources of funds coming from third parties. Third party funds are funds in rupiah or foreign currencies owned by non-bank parties consisting of saving and time deposits and current accounts and deposits. Internal factors that affect the amount of deposit in terms of financial performance and services include equivalent rate, profitability and number of offices. The study was conducted to test the effect of profit rate, equivalent rate, and number of offices on third party funds in sharia commercial banks in Indonesia in the period 2015-2019. The research method uses a quantitative approach. The dependent variables in this study are third party funds, as well as independent variables in this study are, profit rate, equivalent rate and number of offices. Samples use saturated sampling method. The type of data used is secondary data obtained from thr official website of the financial services authority (OJK) of sharia banking statistic (SPS). The analytical technique used is multiple linear regression. Based on the results of study showed that partially variable ROA (Return On Assets) and Equivalent Rate have a significant effect on Third Party Funds. While the number of offices variable does not show a significant influence on third party funds. Then the results simultaneously show that the variable ROA (Return On Assets), Equivalent Rate and Number of Offices have significant contributions to third party funds. In the analysis of coefficients of determination (R2) show that the influence of variable ROA (Return On Assets), Equivalent Rate, and Number of Offices on Third Party Funds of 86,5% and by 13,5% is influenced by other factors that are not studied. Keywords: ROA (Return On Assets), Equivalent Rate, Number of Offices, Third Party Funds
Item Type: | Thesis (Skripsi) |
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Uncontrolled Keywords: | ROA (Return On Assets), Equivalent Rate, Jumlah Kantor, Dana Pihak Ketiga. |
Subjects: | 2x6 Sosial dan Budaya > 2x6.3 Ekonomi 2x6 Sosial dan Budaya > 2x6.3 Ekonomi > 2x6.32 Ekonomi Keuangan 300 Social sciences > 330 Economics > 332 Financial economics > 332.1 Bank (Termasuk Kartu kredit, Tabungan, Deposito dll) |
Divisions: | Fakultas Ekonomi dan Bisnis Islam > Perbankan Syariah |
Depositing User: | Atin Andriyani sdr |
Date Deposited: | 17 Feb 2021 04:48 |
Last Modified: | 17 Feb 2021 04:48 |
URI: | http://repository.uinsaizu.ac.id/id/eprint/9490 |
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