PENGARUH PENDAPATAN SYARIAH DAN PEMBIAYAAN SYARIAH TERHADAP KESEHATAN FINANSIAL PADA BANK UMUM SYARIAH DI INDONESIA TAHUN 2015-2018

Andi Ramdony, Muchammad (2019) PENGARUH PENDAPATAN SYARIAH DAN PEMBIAYAAN SYARIAH TERHADAP KESEHATAN FINANSIAL PADA BANK UMUM SYARIAH DI INDONESIA TAHUN 2015-2018. Skripsi thesis, Sekolah Tinggi Ilmu Ekonomi Indonesia (STEI) Jakarta.

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Abstract

ABSTRAK Penelitian ini bertujuan untuk menguji pengaruh pendapatan syariah dan pembiayaan syariah terhadap kesehatan finansial bank umum syariah tahun 2015-2018. Dalam penelitian ini menggunakan pendekatan kuantitatif kausalitas. Data yang digunakan adalah data sekunder berupa laporan keuangan tahunan bank umum syariah yang dipublikasi dimasing-masing website bank tahun 2015-2018. Penelitian ini menggunakan analisis regresi data panel. Objek penelitian ini adalah 11 Bank Umum Syariah yang terdaftar di Otoritas Jasa Keuangan. Hasil penelitian membuktikan bahwa (1) Pendapatan Syariah tidak berpengaruh terhadap kesehatan finansial bank umum syariah. Hal ini menunjukkan peningkatan atau penurunan pendapatan syariah tidak mempengaruhi tingkat kesehatan finansial. (2) Pembiayaan Syariah berpengaruh negatif dan signifikan terhadap kesehatan finansial bank umum syariah. Hal ini menunjukkan peningkatan jumlah pembiaayan bagi hasil dapat menurunkan tingkat kesehatan finansial. (3), Pendapatan Syariah dan Pembiayaan Syariah secara simultan berpengaruh signifikan terhadap kesehatan finansial bank umum syariah. Kata Kunci : Pendapatan Syariah, Pembiayaan Syariah, dan Kesehatan Finansial’ ABSTRACT This study aims to examine the effect of sharia income and sharia financing on the financial health of Islamic banks in 2015-2018. In this study using a quantitative approach to causality. The data used are secondary data in the form of annual financial statements of Islamic banks published on each bank website in 2015-2018. This study uses panel data regression analysis. The objects of this study are 11 Islamic Commercial Banks registered with the Financial Services Authority. The results of the study prove that (1) Sharia income does not affect the financial health of Islamic commercial banks. This shows the increase or decrease in sharia income does not affect the level of financial health. (2) Sharia financing has a negative and significant effect on the financial health of Islamic commercial banks. This shows that increasing the amount of profit sharing can reduce the level of financial health. (3) Sharia Revenue and Sharia Financing simultaneously have a significant effect on the financial health of Islamic commercial banks. Keywords: Sharia Income, Sharia Financing, and Financial Health

Item Type: Thesis (Skripsi)
Contributors:
ContributionContributorsNIDNEmail
Thesis advisorNursanita, NursanitaUNSPECIFIEDUNSPECIFIED
Subjects: Akuntansi > Akuntansi Syariah
Divisions: S1 Akuntansi
Depositing User: Ridho Adi Nugroho
Date Deposited: 24 Nov 2021 02:53
Last Modified: 24 Nov 2021 02:53
URI: http://repository.stei.ac.id/id/eprint/5965

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