PUTRI SAULA HASNADINA
Universitas Islam Negeri Syarif Hidayatullah Jakarta

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ANALYZE THE EFFECT OF THIRD PARTY FUND (TPF), NON-PERFORMING FINANCING (NPF), FINANCING TO DEPOSIT RATIO (FDR) AND PROFIT MARGIN ON MURABAHAH FINANCING OF SHARIA COMMERCIAL BANK PUTRI SAULA HASNADINA; ADE SOFYAN MULAZID
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 4, No 1 (2019): Januari - Juni 2019
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/al-masraf.v4i1.206

Abstract

The purpose of this study is to analyze the effect of each variable, Deposits of Third Party Fund (TPF) (X1),Non-Performing Financing (NPF) (X2), Financing to Deposit Ratio (FDR) (X3) and Profit Margin (X4)on Murabahah Financing (Y1). The population of this study was conducted on eleven Sharia CommercialBanks in Indonesia, namely Bank Muamalat, Bank Victoria Syariah, Bank BRI Syariah, Bank BNI Syariah,Bank Syariah Mandiri, Bank Syariah Mega Indonesia, Bank Panin Syariah, Bank Syariah Bukopin, BankBCA Syariah and Bank Maybank Syariah Indonesia. The sample taken was the annual financial reportfor five periods, namely 2011-2015 periods. The analysis technique used panel data regression analysis wastested by F-test and T-test, with a significant value of 5%. Based on the results of the T-test and F-test, it canbe known that TPF, FDR and Profit Margin simultaneously have a significant positive effect and the NPFpartially have no effect of murabahah financing on Sharia Commercial Banks. Adjusted R Square value of0.275352 indicates that the independent variable could give effect the dependent variable of 0.000429%.