Analisis Pengaruh Fungsi Intermediasi dan Kinerja Sosial Terhadap Kinerja Keuangan Bank Umum Syariah di Indonesia
Keywords:Intermediation Function, Social Performance, Financial Performance
The purpose of this study is determining the significance of the effect of the social performance on the performance of Islamic commercial banks in Indonesia for the 2013-2018 period. This study is using quantitative method which analyzes numeric data. The subjects of this study are 11 Islamic Commercial Banks in Indonesia. The data used in this study are secondary data collected from financial reports published by each of these Islamic banks and from related institutions such as the Financial Services Authority (OJK). The sampling technique used in this study is purposive sampling. The analysis technique used in this study is to use panel data regression method. The variables used in this study are CAR, NPF, FDR, NOM, BOPO, and Total Financing representing the intermediation function, while PSR, QR, RFS, and ZR representing social performance, and ROA represents financial performance. The results of this study obtained t table = 2,000404, partially shows t-statistics from CAR (6.004286) and NOM (6.084585) have a significant positive effect on ROA, BOPO (-12.12633) has a significant negative effect on ROA, while NPF (0,417724), FDR (0,844224), PSR (0,966032), QR (0,753435), RFS (0,847492), and ZR (0,311068) had no significant effect on ROA. Simultaneously, the results show that the Fcount > Ftable value is 46,44560 > 2.01 that all intermediation function variables and social performance have a positive and significant effect on ROA. Based on the results of the study, all social performance seems only to fulfill obligations as a Sharia Bank, it is recommended that professionalism related to social functions be arranged in accordance with Sharia teachings and the Government establishes a kind of BUMN that specifically manages Sharia banking.
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Copyright (c) 2022 Muhammad Ali Zakiyudin, M. Arief Mufraini
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