PENGARUH DANA PIHAK KETIGA (DPK) DAN PEMBIAYAAN TERHADAP RETURN ON ASSET (ROA) PADA PT. BANK MUAMALAT INDONESIA

Abstract

Banking financial performance is a brief overview of a company's financial position during a specific period of time in regards to funding and financing, which is typically measured by profitability. Financial performance is an illustration of a company's success that can be interpreted as the results of various activities that have been carried out to achieve profits. Return on assets is used in this study to assess the financial performance of the company. The purpose of this study is to investigate and analyze the impact of third-party funds and financing on the return on assets (ROA) of PT. Bank Muamalat Indonesia, Tbk. This study relied on annual data from 2000 to 2021. This study relied on secondary data obtained from the Bank Muamalat Annual Report, the OJK Website, and the BI Website. The SPSS Series 22 application is used for this study's quantitative methods, which include multiple linear regression analysis. The results of this study indicate that third party funds have a partially negative and significant effect on the return on assets (ROA) of PT. Bank Muamalat Indonesia, Tbk, with a regression coefficient of -0.199, and financing variables have a positive and significant effect with a regression coefficient of 0.178 on the return on assets (ROA) of PT. Bank Muamalat Indonesia, Tbk. Third-party funds and financing, in contrast, have a significant impact on Bank Muamalat Indonesia's ROA. In this research, the coefficient of determination was found to be 0.571, or 57.1%. Other variables not investigated in this study influence the remaining 0.429, or 42.9%.