PENGARUH JENIS PRODUK PEMBIAYAAN DAN DANA PIHAK KETIGA TERHADAP PROFITABILITAS PADA BANK UMUM SYARIAH INDONESIA. (Indonesian)

This study aimed to determine the effect of the type of financing product (mudharabah, musyarakah, murabahah, ijarah) and third party funds on profitability in Islamic Banks during 2017–2021. This study uses secondary data. The sampling technique used in this study was purposive sampling with the pooled, unbalanced sample. The analysis technique used was the panel data regression model with STATA 17 through 3 stages of testing. The first test is a preliminary test to determine the model used through the Breusch and Pagan Lagrangian multiplier, Chow, and Hausman tests. From the preliminary test results, this study used a random effect model to test the relationship between variables. The second diagnostic test is heteroscedasticity and autocorrelation. Followed by the third test, namely hypothesis testing. The result of the study showed that musyarakah financing and murabahah financing have a positive effect on profitability. In contrast, Ijarah financing and third-party funds have a negative effect on profitability. Meanwhile, mudharabah financing has no effect on profitability. [ABSTRACT FROM AUTHOR]

Penelitian ini bertujuan untuk mengetahui pengaruh jenis produk pembiayaan (mudharabah, musyarakah, murabahah, ijarah) dan dana pihak ketiga terhadap profitabilitas Bank Umum Syariah selama 2017–2021. Studi ini menggunakan data sekunder. Teknik pengambilan sampel yang digunakan dalam penelitian ini adalah purposive sampling dengan sampel yang dikumpulkan tidak seimbang. Teknik analisis yang digunakan adalah data panel model regresi dengan STATA 17 melalui 3 tahap pengujian. Pengujian pertama yaitu preliminary test untuk menentukan model yang digunakan melalui uji Breusch and Pagan Lagrangian, Chow, dan Hausman. Dari hasil preliminary test, penelitian ini menggunakan model random effect untuk menguji hubungan antar variabel. Pengujian kedua diagnostic test yaitu heteroskedastisitas dan autokorelasi. Dilanjutkan dengan pengujian ketiga yaitu uji hipotesis. Hasil penelitian menunjukkan pembiayaan musyarakah dan murabahah berpengaruh positif terhadap profitabilitas. Sebaliknya, pembiayaan Ijarah dan dana pihak ketiga memiliki efek negatif pada profitabilitas. Sedangkan pembiayaan mudharabah tidak berpengaruh pada profitabilitas. [ABSTRACT FROM AUTHOR]

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