THE INFLUENCE OF ROA AND THIRD PARTY FUNDING ON SHARIA COMMERCIAL BANK FINANCING FOR THE 2015-2022 PERIOD

  • Helvi Rahayuningtias IAIN Ponorogo
  • Ilham Ainur Ridho IAIN Ponorogo
  • ina restiani IAIN Ponorogo
  • Kholisotun Naviah IAIN Ponorogo

Abstract

Abstract


Penelitian ini bertujuan untuk menganalisis pengaruh Return on Assets (ROA) dan Dana Pihak Ketiga terhadap pembiayaan Bank Umum Syariah dalam rentang waktu 2015-2022. Metode yang digunakan adalah Autoregressive Distributed Lag (ARDL) untuk mengetahui pengaruh jangka pendek dan jangka panjang variabel independen terhadap variabel dependen. Data yang digunakan berupa data time series. Dari Pengujian diperoleh hasil bahwa ROA tidak berpengaruh signifikan terhadap pembiayaan, sedangkan DPK berpengaruh signifikan terhadap pembiayaan. Hasil penelitian ini diharapkan dapat memberikan pemahaman yang lebih mendalam mengenai faktor-faktor yang memengaruhi pembiayaan bank umum syariah di Indonesia.


Abstract


This research aims to analyze the influence of Return on Assets (ROA) and Third Party Funds on Sharia Commercial Bank financing in the 2015-2022 period. The method used is Autoregressive Distributed Lag (ARDL) to determine the short-term and long-term influence of the independent variable on the dependent variable. The data used is time series data. From the testing, the results obtained were thatROA does not have a significant effect on financing, while DPK has a significant effect on financing.It is hoped that the results of this research will provide a deeper understanding of the factors that influence sharia commercial bank financing in Indonesia.

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Published
2024-01-31
How to Cite
RAHAYUNINGTIAS, Helvi et al. THE INFLUENCE OF ROA AND THIRD PARTY FUNDING ON SHARIA COMMERCIAL BANK FINANCING FOR THE 2015-2022 PERIOD. RIBHUNA : Jurnal Keuangan dan Perbankan Syariah, [S.l.], v. 3, n. 1, p. 114-126, jan. 2024. ISSN 2829-4181. Available at: <https://ejournal.iaiibrahimy.ac.id/index.php/ribhuna/article/view/2199>. Date accessed: 16 apr. 2024.
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Articles