FAKTOR-FAKTOR KEUANGAN UTAMA YANG MEMPENGARUHI PANGSA PASAR BANK UMUM SYARIAH DI INDONESIA TAHUN 2014-2018 THE MAIN FINANCIAL FACTORS AFFECTING THE COMMERCIAL BANK'S MARKET SHARE SHARIA IN INDONESIA 2014-2018

MARBELLA, PANCA SEPTI (2021) FAKTOR-FAKTOR KEUANGAN UTAMA YANG MEMPENGARUHI PANGSA PASAR BANK UMUM SYARIAH DI INDONESIA TAHUN 2014-2018 THE MAIN FINANCIAL FACTORS AFFECTING THE COMMERCIAL BANK'S MARKET SHARE SHARIA IN INDONESIA 2014-2018. Skripsi thesis, SEKOLAH TINGGI ILMU EKONOMI INDONESIA JAKARTA.

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Abstract

Abstrak– Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh faktor-faktor keuangan utama yang mempengaruhi pangsa pasar Bank Umum Syariah di Indonesia tahun 2014-2018 dimana faktor-faktor utama terdiri dari variabel BOPO, CAR, ROA dan FDR. Strategi penelitian yang digunakan oleh peneliti adalah penelitian kausalitas (sebab akibat) dengan pendekatan kuantitatif. Populasi yang digunakan dalam penelitian ini adalah Bank Umum Syariah (BUS) yang terdaftar di Otoritas Jasa Keuangan terdiri dari 14 BUS. Berdasarkan kriteria purposive sampling maka Bank Umum Syariah yang dijadikan sampel sebanyak 10 perusahaan. Penelitian ini menggunakan alat bantu program komputer untuk mengelola data berupa Software Eviews. Berdasarkan analisis dan pembahasan menunjukkan bahwa BOPO berpengaruh signifikan negatif terhadap pangsa pasar pada Bank Umum Syariah di Indonesia periode 2014-2018, berarti tinggi maupun rendahnya BOPO memberikan pengaruh terhadap pangsa pasar. CAR berpengaruh signifikan negatif terhadap pangsa pasar pada Bank Umum Syariah di Indonesia periode 2014-2018, berarti CAR memberikan pengaruh terhadap pangsa pasar. Pengaruh yang terjadi adalah pengaruh negatif. Hal ini menunjukan bahwa jika CAR meningkat maka menyebabkan penurunan pangsa pasar. ROA tidak berpengaruh signifikan terhadap pangsa pasar pada Bank Umum Syariah di Indonesia periode 2014-2018, berarti tinggi rendah nya ROA tidak memberikan pengaruh terhadap pangsa pasar. FDR tidak berpengaruh signifikan terhadap pangsa pasar pada Bank Umum Syariah di Indonesia periode 2014-2018, berarti tinggi rendahnya FDR tidak memberikan pengaruh terhadap pangsa pasar. Kata Kunci: BOPO, CAR, ROA, FDR, Pangsa Pasar Abstract - This study aims to determine and analyze the influence of the main financial factors affecting the market share of Islamic Commercial Banks in Indonesia in 2014-2018 where the main factors consist of the variables of BOPO, CAR, ROA and FDR. The research strategy used by the author is causality research with a quantitative approach. The population used in this study is a Sharia Commercial Bank (BUS) registered in the Financial Services Authority consisting of 14 BUS. Based on the purposive sampling criteria, 10 Sharia Commercial Banks were sampled. This study uses a computer program tool to manage data in the form of Eviews Software. Based on the analysis and discussion, it shows that BOPO has a negative significant effect on market share in Islamic Commercial Banks in Indonesia for the 2014-2018 period, meaning that the high and low BOPO has an influence on market share. CAR has a negative significant effect on market share in Islamic Commercial Banks in Indonesia for the 2014-2018 period, meaning that CAR has an influence on market share. The effect that occurs is a negative influence. This shows that if the CAR increases it will cause a decrease in market share. ROA does not have a significant effect on market share in Islamic Commercial Banks in Indonesia for the 2014-2018 period, meaning that the high and low ROA does not have an effect on market share. FDR has no significant effect on the market share of Islamic Commercial Banks in Indonesia for the 2014-2018 period, meaning that the level of FDR does not have an effect on market share. Keywords: BOPO, CAR, ROA, FDR, Market Share

Item Type: Thesis (Skripsi)
Contributors:
ContributionContributorsNIDNEmail
Thesis advisorMAIS, RIMI GUSLIANAUNSPECIFIEDRIMI_GUSLIANA@STEI.AC.ID
Subjects: Akuntansi > Akuntansi Syariah
Divisions: S1 Akuntansi
Depositing User: Users 396 not found.
Date Deposited: 19 Jan 2021 15:38
Last Modified: 19 Jan 2021 15:38
URI: http://repository.stei.ac.id/id/eprint/3461

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