Fitrowati, Zuni (2018) ANALISIS PROFITABILITAS BANK UMUM SYARIAH PERIODE 2015-2017. Undergraduate (S1) thesis, University of Muhammadiyah Malang.

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Abstract

This study aims to analyze the profitability of Islamic banks as a whole. The period used in this study is 2015 to 2017. This research is a quantitative type of research and uses a correlation approach to determine whether or not there is a relationship on two or more variables. The independent variables in this study are Financing Murabahah, Istishna, Non Performing Financing (NPF), Financing to deposit ratio (FDR) and Third Party Funds (DPK). While the dependent variable in this study is Profitability as measured by ROA in Islamic Commercial Banks. The data used are secondary data from BI and OJK webside, while the data analysis technique used is Multiple Regression Analysis. The results of this study indicate that Murabahah financing has a significant negative effect on ROA, this is based on multiple regression analysis and t test that tcount > ttable, namely 3.237> 1.69913 and a significant value of 0.05> 0.003. Istishna financing shows a negative effect on ROA, this is based on multiple regression analysis and t test that tcount > ttable, which is 2.078> 1.69913 and a significant value of 0.05> 0.046. Non Performing Financing has a significant negative effect on ROA, this is based on multiple regression analysis and t test that tcount > ttable, namely 3.599> 1.69913 and a significant value of 0.05> 0.001. Financing to Deposit Ratio (FDR) shows a significant negative effect on ROA, this is based on multiple regression analysis and t test that tcount > ttable, namely 4.944> 1.69913 and a significant value of 0.05> 0,000. Whereas Third Party Funds (DPK) showed a significant negative effect on ROA, this was based on multiple regression analysis and t test that tcount > ttable, namely 5.024> 1.69913 and a significant value of 0.05> 0.000. Simultaneously financing Murabahah, Istishna, Non Performing Financing (NPF), Financing to Deposit Ratio (FDR) and Third Party Funds (TPF) have a significant influence on Return on Assets (ROA), this is based on the F test that tcount > ttable that is 12,126> 2,53 and significant value 0,05> 0,000. The test of the coefficient of determination of 0.614 shows that the amount of financing for Murabahah, Istishna, Non Performing Financing (NPF), Financing to Deposit Ratio (FDR) and Third Party Funds (DPK) on Return on Assets (ROA) affects 61.4%, while 38.6% is influenced by other variables not examined.

Item Type:	Thesis (Undergraduate (S1))
Student ID:	201410510311065
Keywords:	Murabahah, Istishna, NPF, FDR, DPK, ROA
Subjects:	H Social Sciences > HB Economic Theory H Social Sciences > HJ Public Finance
Divisions:	Faculty of Islamic Studies > Department of Islamic Economics (60206)
Depositing User:	Sulistyaningsih Sulistyaningsih
Date Deposited:	02 Feb 2019 05:52
Last Modified:	11 Jul 2019 03:09
URI :	http://eprints.umm.ac.id/id/eprint/43978

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