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Pengaruh Hak Bagi Hasil Milik Bank, Fee Based Income, Dan Financing To Deposit Ratio Terhadap Profitabilitas Pada Bank Syariah Mandiri Periode 2009-2016
Lucyana Azizah Rahmah (2018) | Skripsi | Akuntansi
Bagikan
Ringkasan
Penelitian ini bertujuan untuk mengetahui pengaruh hak bagi hasil milik bank, fee based income, dan Financing to Deposit Ratio (FDR) terhadap Return On Asset (ROA) baik secara parsial maupun secara simultan pada Bank Mandiri Syariah periode 2009 sampai dengan 2016.Metode yang digunakan pada penelitian ini adalah metode penelitian kuantitatif. Data dalam penelitian ini menggunakan data sekunder berupa data laporan keuangan bulanan periode 2009 sampai dengan 2016 yang diperoleh dari website Bank Mandiri Syariah dan Otoritas Jasa Keuangan. Data yang menjadi penelitian adalah sebanyak 96 data. Data dianalisis dengan menggunakan software Statistical Package for the Social Science (SPSS). Teknik analisis yang digunakan adalah regresi linier berganda.Hasil penelitian menunjukkan bahwa secara parsial hak bagi hasil milik bank bepengaruh negatif signifikan terhadap return on asset, sedangkan fee based income dan Financing to Deposit Ratio (FDR) bepengaruh positif signifikan terhadap return on asset. Hasil uji simultan (uji F) menunujukkan bahwa hak bagi hasil milik bank, fee based income, dan Financing to Deposit Ratio (FDR) secara bersama-sama berpengaruh terhadap retun on asset. Hasil koefisien determinasi (Adjusted R square) menunjukkan bahwa return on asset (ROA) pada penelitian ini dipengaruhi 40,2% oleh variasi variabel hak bagi hasil milik bank, fee based income dan financing to deposit ratio sedangkan sisanya 59,8% dijelaskan oleh faktor lain. Kata kunci: Hak Bagi Hasil Milik Bank, Fee Based Income, Financing to Deposit Ratio (FDR), Return On Asset (ROA).
Ringkasan Alternatif
This study aims to determine the effect of bank's share of profit, fee-based income, and Financing to Deposit Ratio (FDR) to return on assets (ROA) either partially or simultaneously in Bank Mandiri Syariah 2009 to 2016 period. The method used in this research is quantitative research method. The data in this study used secondary data in the form of monthly financial statements for the period 2009 to 2016 obtained from the website of Bank Mandiri Syariah and the Financial Services Authority. The number of data in this research are 96 data. Data were analyzed using Statistical Package for the Social Science (SPSS) software. The analysis technique used is multiple linear regression. The result of the research shows that partially the profit sharing of bank's share of profit has a significant negative effect on the return on assets, while the fee-based income and the Financing to Deposit Ratio (FDR) have a significant positive effect on return on assets. The simultaneous test result (F test) shows that bank's share of profit, fee-based income, and Financing to Deposit Ratio (FDR) simultaneously have an effect on return on asset. The result of coefficient of determination (Adjusted R square) shows that return on asset (ROA) in this research is influenced by 40,2% by variation of variable of bank's share of profit, fee based income and financing to deposit ratio while 59,8% is explained by factor other. Keywords: Bank's Share of Profit, Fee Based Income, Financing to Deposit Ratio (FDR), Return On Asset (ROA).