ANALISIS PENGARUH CURRENT ACCOUNT SAVING ACCOUNT, OPERATING EFFICIENCY RATIO, DAN FEE BASED INCOME TERHADAPPROFITABILITAS PADA BANK UMUM SYARIAH DEVISA PERIODE 2015 – 2019

Renjani, Rika and Hendrawati, Hendrawati (2020) ANALISIS PENGARUH CURRENT ACCOUNT SAVING ACCOUNT, OPERATING EFFICIENCY RATIO, DAN FEE BASED INCOME TERHADAPPROFITABILITAS PADA BANK UMUM SYARIAH DEVISA PERIODE 2015 – 2019. ANALISIS PENGARUH CURRENT ACCOUNT SAVING ACCOUNT, OPERATING EFFICIENCY RATIO, DAN FEE BASED INCOME TERHADAPPROFITABILITAS PADA BANK UMUM SYARIAH DEVISA PERIODE 2015 – 2019. (Unpublished)

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Abstract

Abstrak – Penelitian ini bertujuan untuk menguji apakah pengaruh Current Account Saving Account, Operating Efficiency Ratio, dan Fee Based Income terhadap Profitabilitas yang diproksikan dengan Return On Asset (ROA) bank umum syariah devisa yang terdaftar di Otoritas Jasa Keuangan (OJK). Strategi penelitian asosiatif dengan tipe kausalitas dan metoda analisis data yang digunakan adalah analisis regresi linier berganda dengan data panel menggunakan bantuan software Eviews 10. Populasi dari penelitian ini adalah seluruh Bank Umum Syariah (BUS) yang terdaftar di Otoritas Jasa Keuangan pada tahun 20152019. Sampel ditentukan berdasarkan berdasarkan metode purposive sampling, sehingga didapatkan sampel sebanyak 5 bank syariah devisa. Jenis data sekunder dengan metode pengumpulan data dokumentasi melalui situs resmi masing-masing sampel bank umum syariah devisa. Berdasarkan hasil analisis regresi linier data panel dengan tingkat signifikansi 5% maka hasil penelitian ini menyimpulkan bahwa : (1) Secara parsial Current Account Saving Accout (CASA) berpengaruh secara positif dan signifikan terhadap Return On Asset, untuk Operating Efficiency Ratio (BOPO) memiliki pengaruh negatif yang signifikan, dan Fee Based Income tidak memiliki pengaruh terhadap Return On Asset. (2) Secara simultan Current Account Saving Account, Operating Efficiecy Ratio, dan Fee Based Income memiliki pengaruh signifikan terhadap Retun On Asset. Hal ini berarti naik turunnya variable bebas akan berdmpak pada perubahan variabel terikat. Jika Current Account Saving Account, Operating Efficiecy Ratio, dan Fee Based Income memiliki nilai yang baik maka nilai dari Return On Asset akan baik juga atau cenderung menaikan profitabilitas perbankan. Kata Kunci : Current Account Saving Account (CASA), Operating Efficiency Ratio (BOPO), Fee Based Income, Return On Asset (ROA). Abstract - This study aims to examine whether the effect of Current Account Saving Account, Operating Efficiency Ratio, and Fee Based Income on Profitability, which is proxied by the Return On Asset (ROA) of foreign exchange Islamic commercial banks registered with the Financial Services Authority (OJK). The associative research strategy with the type of causality and the data analysis method used is multiple linear regression analysis with panel data using Eviews 10 software. The population of this study is all Islamic Commercial Banks (BUS) registered with the Financial Services Authority in 2015-2019. The sample is determined based on the purposive sampling method, in order to obtain a sample of 5 foreign exchange Islamic banks. The type of secondary data is the method of collecting documentation data through the official website of each sample of Islamic foreign exchange commercial banks. Based on the results of linear regression analysis of panel data with a significance level of 5%, the results of this study conclude that: (1) Partially Current Account Saving Accout (CASA) has a positive and significant effect on Return On Assets, for Operating Efficiency Ratio (BOPO) has an effect significant negative, and Fee Based Income has no effect on Return On Assets. (2) Simultaneously Current Account Savings Account, Operating Efficacious Ratio, and Fee Based Income have a significant influence on Return On Asset. This means that the ups and downs of the independent variable will have an impact on changes in the dependent variable. If the Current Account Saving Account (CASA), Operating Efficacious Ratio (BOPO), and Fee Based Income have a good value, the value of Return On Asset (ROA) will be good or tend to increase bank profitability. Keywords: Current Account Saving Account (CASA), Operating Efficiency Ratio (BOPO), Fee Based Income, Return On Asset (ROA).

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