FAKTOR YANG MEMPENGARUHI PERTUMBUHAN LABA
BANK SYARIAH DI INDONESIA PERIODE TAHUN 2007 - 2011
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Institusion
Sekolah Tinggi Ilmu Ekonomi Perbanas Surabaya
Author
RESMI, DIAH RATIH SETIO
Subject
332.12 - BANKS & BANKING
Datestamp
2017-11-20 02:25:50
Abstract :
This study aims to examine the factors that affect earnings growth in Islamic banks. As these factors Operational Net Income (NOI), Growth Fund Third Party (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Operational Efficiency Ratio (OER). Company sampled bank is Bank Muamalat Indonesia, Bank Syariah Mandiri, and Bank Mega Syariah Indonesia. The population in this study is the Islamic banks operating in Indonesia. Moderate sampling technique using purposive sampling method with the observation period 2007 to 2011 and was obtained from reports Q3 Islamic banks in the sample, so there are 60 observations. The analysis technique used is multiple linear regression analysis and using the program SPSS version 17. The results with simultaneous test (F test) result that the NOI, growth in deposits, CAR, NPF, FDR, OER simultaneously does not affect profit growth of Islamic banks in Indonesia. On the other hand, the result of partial test (t test), proving that the NOI, growth in deposits and NPF no significant positive effect on earnings growth, CAR, FDR was not a significant negative effect on the growth of earnings while OER significant negative impact on earnings growth . Keywords : Operational Net Income (NOI), Growth Fund Third Party (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Operational Efficiency Ratio (OER), and profit growth .
This study aims to examine the factors that affect earnings growth in Islamic banks. As these factors Operational Net Income (NOI), Growth Fund Third Party (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Operational Efficiency Ratio (OER). Company sampled bank is Bank Muamalat Indonesia, Bank Syariah Mandiri, and Bank Mega Syariah Indonesia. The population in this study is the Islamic banks operating in Indonesia. Moderate sampling technique using purposive sampling method with the observation period 2007 to 2011 and was obtained from reports Q3 Islamic banks in the sample, so there are 60 observations. The analysis technique used is multiple linear regression analysis and using the program SPSS version 17. The results with simultaneous test (F test) result that the NOI, growth in deposits, CAR, NPF, FDR, OER simultaneously does not affect profit growth of Islamic banks in Indonesia. On the other hand, the result of partial test (t test), proving that the NOI, growth in deposits and NPF no significant positive effect on earnings growth, CAR, FDR was not a significant negative effect on the growth of earnings while OER significant negative impact on earnings growth . Keywords : Operational Net Income (NOI), Growth Fund Third Party (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Operational Efficiency Ratio (OER), and profit growth .
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