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Pengaruh Tabungan Mudharabah Dan Pembiayaan Musyarakah Terhadap Laba Febiola, Zhalzha; Suardy, Weman; Rosa, Edy Safni
Jurnal Ilmiah Manajemen Kesatuan Vol 9 No 3 (2021): JIMKES Edisi Desember 2021
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v9i3.766

This study aims to determine (1) Does mudharabah savings have a significant effect on bank profits? (2) Does musyarakah financing have a significant effect on bank profit? (3) Do mudharabah savings and musyarakah financing together have a significant effect on bank profits? The analytical method used in this research is multiple linear regression with the total profit being the dependent variable and two independent variables, namely Mudharabah Savings and Musharaka Financing. The results of data processing have obtained a regression model Y = 36964 + 0.021X1 + -0.002X2. The regression coefficient shows that if each mudharabah savings is 0.021 one unit, it is predicted that it will increase the amount of savings by 36964 units and vice versa. The value of the coefficient of determination (R2) is 0.564, this indicates that the mudharabah savings and musharaka financing variables contribute or influence 56% on the variable amount of profit. Partially, the t test results indicate that each variable the amount of mudharabah savings has a significant effect on the amount of profit so that the hypothesis is accepted and the musyarakah financing has a significant negative effect on the amount of profit. Simultaneously, the results of the F test show that together mudharabah savings and musyarakah financing have a significant effect on total profit so that the hypothesis is accepted. Keywords: Mudharabah Savings, Musharaka Financing, Profit.

Pengaruh Tabungan Mudharabah Dan Pembiayaan Musyarakah Terhadap Laba: Studi Kasus Pada Lima Bank Syariah Nasional Febiola, Zhalzha; Suardy, Weman; Rosa, Edy Safni
Jurnal Ilmiah Manajemen Kesatuan Vol. 9 No. 3 (2021): JIMKES Edisi Desember 2021
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v9i3.766

This study aims to determine (1) Does mudharabah savings have a significant effect on bank profits? (2) Does musyarakah financing have a significant effect on bank profit? (3) Do mudharabah savings and musyarakah financing together have a significant effect on bank profits? The analytical method used in this research is multiple linear regression with the total profit being the dependent variable and two independent variables, namely Mudharabah Savings and Musharaka Financing. The results of data processing have obtained a regression model Y = 36964 + 0.021X1 + -0.002X2. The regression coefficient shows that if each mudharabah savings is 0.021 one unit, it is predicted that it will increase the amount of savings by 36964 units and vice versa. The value of the coefficient of determination (R2) is 0.564, this indicates that the mudharabah savings and musharaka financing variables contribute or influence 56% on the variable amount of profit. Partially, the t test results indicate that each variable the amount of mudharabah savings has a significant effect on the amount of profit so that the hypothesis is accepted and the musyarakah financing has a significant negative effect on the amount of profit. Simultaneously, the results of the F test show that together mudharabah savings and musyarakah financing have a significant effect on total profit so that the hypothesis is accepted. Keywords: Mudharabah Savings, Musharaka Financing, Profit.

Faktor-faktor Yang Mempengaruhi Return On Asset Bank Umum: Studi Kasus Pada PT Bank Mandiri (Persero) Tbk Periode 2011-2020 Rosa, Edy Safni; Nurcahya, Siti Syafira
Jurnal Ilmiah Manajemen Kesatuan Vol. 10 No. 3 (2022): JIMKES Edisi Desember 2022
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v10i3.1630

This research is meant to test the effect of Non Performing Loan (NPL), Loan To Deposit Ratio (LDR), And Operational Efficiency Ratio (BOPO) Toward Return On Asset (ROA) Of PT. Bank Mandiri (Persero), Tbk. The population of this study is PT. Bank Mandiri (Persero), Tbk. The data is the secondary data which has been obtained from the banking annual financial statements which have been published at wbsite bank Mandiri in 2011-2020 periods. The sample collection technique has been carried out by using purposive sampling with 2 criteria and the samples are 40. The analysis method has been done by using multiple linear regressions analysis. The classic assumption test shows that normality test has been normally distributed, the heteroscedasticity test shows that heteroscedasticity does not occur, the autocorrelation test shows that autocorrelation does not occur, and the multicollinearity test shows that multicolinearity does not occur. The hypothesis test which has been done by using t test shows that NPL variable has negative and significant influence to the ROA, LDR variable has negative and significant influence to the ROA, and BOPO variable has negative and significant influence to the ROA. The result of this study indicate that the NPL, LDR, and BOPO variables have a simultaneous effect on ROA in the F test with a significant value f 0,00 < 0,05. Keywords: NPL, LDR, BOPO and ROA.

Faktor-faktor Yang Mempengaruhi Kemampulabaan Bank: Studi Kasus Bank Buku IV Periode 2016 – 2020 Rosa, Edy Safni; Noventia, Kellin
Jurnal Ilmiah Manajemen Kesatuan Vol. 11 No. 1 (2023): JIMKES Edisi April 2023
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v11i1.1674

This study aims to determine whether the Effect of Third Party Funds, Loan To Deposit Ratio and Credit Interest Rates in this study partially and simultaneously affect profitability as measured by Return On Assets (ROA). The population in this study were book IV banking companies listed on the Indonesia Stock Exchange (IDX) for the 2016-2020 period as many as 7 companies, then the sample was determined using the Purposive Sampling method, namely the sample was selected from a population of certain criteria, either expertly or scientifically. The analytical method used is the classical assumption test, multiple linear regression analysis test, partial test of determination coefficient test (t test), and simultaneous test (f test). Data testing was carried out using IBM SPSS Statistics 25 Software. The results of this study indicate that: 1) Third Party Funds (X1) have a significant effect on Profitability (ROA), because the more funds collected by the public in the form of savings, demand deposits, deposits, the more banks will distribute interest costs on the product so that it can reduce the income or profitability of a Bank. 2) Loan to Deposit Ratio (X2) has a significant effect on Profitability (ROA), because the more loans that are disbursed, the higher the interest income that will be obtained by the bank with the assumption that if the loans disbursed are in a smooth state, it will increase the bank's profit. the. 3) Credit Interest Rates (X3) have a significant effect on Profitability (ROA) because the more people who make credit, the credit interest income will increase so that it will increase the profitability of a Bank. 4) Third Party Funds, Loan to Deposit Ratio and Interest Rates Credit has a simultaneous and significant effect on Profitability (ROA). Keywords: Third Party Funds, Loan To Deposit Ratio, Credit Interest Rates, Profitability

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