Kualitas Portofolio Pembiayaan : Analisa Tentang Pengaruh Pembiayaan Pada Perubahan Laba Bank Syariah

Abstract

This study employs a quantitative approach. The data used is secondary data, the sample selection method is purposive sampling, and the sample used in this study is the 2014–2019 financial statements. The descriptive statistical analysis, normality test, hypothesis testing, correlation test, and simple linear regression test were used in this study with the SPSS version 21.0 program. The goal of this research is to determine the impact of financing on Bank Syariah Mandiri's profit from 2014 to 2019. Based on the correlation formula (sig) of 0.000 0.05, it is possible to conclude that there is a significant relationship between the variables financing and profit count of 0.576, which falls within the coefficient interval of 0.40 to 0.70. This indicates that the level of the relationship between financing and profit is adequate. The financing variable (X) is known to be 0.000, the t-count is 5.898, and the t-table is 1.66660. In this study, t = 5.898 > t = 1.66660 sig (0.000) 0.05, H0 is rejected and Ha is accepted, indicating that the variable has a significant influence on profit between financing (X) and (Y). The amount of financing's effect on profit can be seen in the output of B, which is 0.576, so the regression equation is Y = 15,469 + 0.576X. If the financing variable rises by one unit, the profit rises by 0.576 percent. R squared is known to be 0.332. R Square is known as the coefficient of determination, and in this case it means that financing influences 33.2% of profit. This means that the independent variable (finances) can explain 33.2% of the dependent variable (profit). Profit influences financing; the remaining 66.8% is influenced by other variables such as capital, TPF, NPF, and BOPO, or other factors that affect profit.