Faktor-Faktor Yang Mempengaruhi Pertumbuhan Laba Bank Umum Syariah Di Indonesia

Abstract

AbstrakPenelitian ini bertujuan untuk mengetahui pengaruh variabel determinan atas pertumbuhan laba pada bank umum syariah di Indonesia. Selama periode krisis finansial pada tahun 1997 bank syariah masih dapat menunjukkan kinerja yang relatif lebih baik dibandingkan dengan lembaga perbankan konvensional. dikarenakan lebih rendahnya penyaluran pembiayaan yang bermasalah (non performing loans) pada bank syariah dan tidak terjadinya negative spread dalam kegiatan operasionalnya serta pertumbuhan laba yang dihasilkan oleh bank syariah. Penelitian ini menganalisis pengaruh Net Operational Income (NOI), Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), dan Biaya operasional terhadap pendapatan operasional (BOPO) baik secara parsial maupun secara simultan terhadap Pertumbuhan Laba bank umum syariah di Indonesia periode 2016-2018. Adapun jenis penelitian ini asosiatif, sumber data sekunder dan data dianalisis secara kuantitatif. Hasil penelitian ini menunjukkan bahwa secara parsial Net Operating Income (NOI) berpengaruh terhadap pertumbuhan laba Bank Umum Syariah di Indonesia. Untuk pengujian secara simultan keseluruhan variabel determinan tidak berpengaruh terhadap pertumbuhan laba pada Bank Umum Syariah di Indonesia. AbstractThis study aims to know the effect of the determinant variables on profit growth in Islamic commercial banks in Indonesia. During the period of financial crisis in 1997 Islamic banks were still able to show relatively better performance compared to conventional banking institutions. Due to the lower distribution of non-performing loans (non-performing loans) to the Islamic banks and no negative spreads in their operational activities, this condition as well as profit growth generated by Islamic banks. This study analyzes the effect

Identification of Factors that Impact on Syariah Bank Asset Growth in West Java Province

“…(5) in his research proved that the addition of bank office networks has an effect on the growth of Islamic bank assets. However, the results of the study (2) found that the number of offices did not affect the growth of Islamic commercial bank assets.…”

“…Research (9) proves that FDR affects the growth of Islamic bank assets. Research (2) also found that the Financing to Deposit Ratio has an effect on the growth of Islamic commercial bank assets. Similarly, findings (12) prove that FDR has an effect on the growth of Islamic bank assets in Indonesia.…”

“…Research conducted by (11) shows that the percentage of the yield ratio affects the growth of Islamic bank assets. However, research (2) shows that yields have no effect on the growth of Islamic commercial banks' assets.…”

“…Research (4) shows that Non-Performing Financing (NPF) in the short term has a negative and significant relationship to the growth of Islamic banking assets in Indonesia. The results of research (8) and (2) indicate that Non-Performing Financing has an effect on the growth of assets of Islamic commercial banks in Indonesia. Thus the research hypothesis is formulated: H2: NPF has an effect on asset growth…”

“…Then the growth of assets increased by 20.33% in 2016 but again decreased in 2017 until the end of 2019. Even though there was an increase in asset growth in in 2016 with a growth of more than 20% but until now the rate of growth in Islamic bank assets has not been able to stabilize and has decreased (2). This phenomenon of decreasing growth in Islamic bank assets is the reason for the need to conduct research on what factors affect the growth of Islamic bank assets.…”