Pengaruh Dana Pihak Ketiga (DPK), Total Aset, Non Performing Financing (NPF) dan Ekonomi Makro terhadap Profitabilitas Bank Umum Syariah di Indonesia

Abstract

This study aims to analyze the effect of Third Party Funds, Total Assets, Non Performing Financing (NPF), Gross Domestic Product (GDP), and BI-Rate on profitability at Islamic Commercial Banks in Indonesia for the period 2019-2023. The method used is a quantitative method. Using panel data (time-series and cross section) obtained from the official website of the Financial Services Authority. The analysis used is Descriptive Statistical Analysis, Panel Data Analysis consisting of the Chow Test, Hausman Test, Lagrange Multiplier Test, Classical Assumption Test consisting of Multicollinearity Test, Heteroscedasticity Test, Multiple Linear Regression, Hypothesis Test consisting of Partial Test (t Test), Simultaneous Test (f Test) and Coefficient of determination.

Based on the results of the data processing test, it shows that Third Party Funds partially have a negative and significant effect on profitability. While Total Assets partially have a positive and significant effect on profitability. Non Performing Financing partially has a negative and significant effect on profitability. Gross Domestic Product partially has a negative and significant effect on profitability. BI-Rate partially has a positive and significant effect on profitability. And Third Party Funds , Total Assets, Non Performing Financing, Gross Domestic Product and BI-Rate have a positive and significant effect simultaneously on profitability.