ANALISIS PENGARUH DPK, LABA, NPF, DAN SUKU BUNGA TERHADAP PEMBIAYAAN BERBASIS BAGI HASIL PADA BUS DAN UUS DI INDONESIA
Abstract
Tujuan Penelitian ini ialah supaya menganalisis berkenaan dengan faktor-faktor
yang mempengaruhi pembiayaan metode bagi hasil pada perbankan syariah di
Indonesia selama periode Januari 2014 - Desember 2018. Metodologi yang
dilakukan ialah analisis data panel dengan metode Regresi Linier Berganda. Dari
penelitian ini didapat sejumlah kesimpulan bahwa pembiayaan berbasis bagi hasil
pada Bank Umum Syariah (BUS) dan Unit Usaha Syariah (UUS) dipengaruhi
secara signifikan oleh variabel Dana Pihak Ketiga (positif) dan Laba (positif),
sedangkan variabel Pembiayaan Macet/NPF (positif) dan Suku bunga pinjaman
(positif) tidak mempengaruhi secara signifikan.
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