PENGARUH KINERJA KEUANGAN TERHADAP MARKET SHARE PERBANKAN SYARIAH DI INDONESIA

DELVIA MELINA, . (2022) PENGARUH KINERJA KEUANGAN TERHADAP MARKET SHARE PERBANKAN SYARIAH DI INDONESIA. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

[img] Text
Full Skripsi_Delvia Melina_S1 Akuntansi_1706618012.pdf
Restricted to Registered users only
Download (2MB)

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kinerja keuangan terhadap market share perbankan syariah di Indonesia. Variabel independen dalam penelitian ini adalah Capital Adequacy Ratio (CAR), Biaya Operasional dan Pendapatan Operasional (BOPO) Dana Pihak Ketiga (DPK) dan Non-Performing Financing (NPF) serta variabel dependen adalah Market Share. Penelitian ini menggunakan data sekunder, yaitu laporan keuangan triwulan bank umum syariah pada tahun 2019-2021. Sampel dipilih menggunakan metode purposive sampling dan didapatkan jumlah sampel sebanyak 96 data dari 8 Bank Umum Syariah yang memenuhi kriteria. Metode analisis data yang digunakan dalam penelitian ini adalah metode regresi data panel. Hasil penelitian ini membuktikan bahwa variabel Capital Adequacy Ratio (CAR) berpengaruh signifikan negatif terhadap market share karena rasio CAR yang tinggi dikarenakan bank syariah selalu berusaha menjaga agar CAR yang dimiliki sesuai dengan peraturan yang berlaku. Variabel Biaya Operasional dan Pendapatan Operasional (BOPO) tidak berpengaruh terhadap Market Share karena rata-rata BOPO pada tahun penelitian sebesar 90% tidak mencerminkan efisiensi kegiatan usaha sehingga nasabah juga tidak melihat BOPO memiliki pengaruh terhadap kegiatan usaha perbankan. Dan untuk Dana Pihak Ketiga (DPK) dan NonPerforming Financing (NPF) berpengaruh positif terhadap Market Share. *************************** This study aims to analyze the effect of financial performance on the market share of Islamic banking in Indonesia. The independent variables in this study are Capital Adequacy Ratio (CAR), Operational Costs and Operating Income (BOPO) Third Party Funds (DPK) and Non-Performing Financing (NPF) and the dependent variable is Market Share. This study uses secondary data, namely the quarterly financial reports of Islamic commercial banks in 2019-2021. The sample was selected using a purposive sampling method and a total sample of 96 data was obtained from 8 Islamic Commercial Banks that met the criteria. The data analysis method used in this study is the panel data regression method. The results of this study prove that the Capital Adequacy Ratio (CAR) variable has a significant negative effect on market share due to the high CAR ratio because Islamic banks always try to keep their CAR in accordance with applicable regulations. The Variable Operating Costs and Operating Income (BOPO) has no effect on Market Share because the average BOPO in the study year of 90% does not reflect the efficiency of business activities so that customers also do not see BOPO as having an influence on banking business activities. And for Third Party Funds (DPK) and Non-Performing Financing (NPF) have a positive effect on Market Share.

Item Type: Thesis (Sarjana)
Additional Information: 1). Dr. Etty Gurendrawati, SE, M.Si.Ak ; 2). Diah Armeliza, S.E., M.Ak.
Subjects: Ilmu Sosial > Industri, Buruh, Produksi > Pendidikan Ekonomi
Divisions: FE > S1 Pendidikan Ekonomi
Depositing User: PKL .
Date Deposited: 02 Oct 2024 23:08
Last Modified: 02 Oct 2024 23:08
URI: http://repository.unj.ac.id/id/eprint/51106

Actions (login required)

View Item View Item
repository is powered by EPrints 3 which is developed by the School of Electronics and Computer Science at the University of Southampton. More information and software credits.