ANALISIS PENGARUH DANA PIHAK KETIGA, NON PERFORMING FINANCING DAN RETURN ON ASSET TERHADAP PEMBIAYAAN PADA BANK UMUM SYARIAH DI INDONESIA

Abstract

The purpose of this research is to find out and analyze by proving the influence of the influence of third party funds, non-performing financing and return on assets on financing in Islamic banking in 2015-2019. Based on the results of data analysis with the help of the SPSS version 23 program, it is stated that the third party fund variable for financing has a negative beta value of -0.094 and a sig value of 0.667 > 0.05. Shows that third party funds have no effect on financing, the variable non-performing financing on financing has a negative beta value of -0.832 and a sig value of 0.006 < 0.05. Shows that non- performing financing has a negative and significant effect on financing and the return on assets variable on financing has a negative beta value of -0.287 and a sig value of 0.217 > 0.05. Shows that return on assets has no effect on financing. This means that 39.4% of the variation in financing can be explained by variations in the relationship between Third Party Funds, Non Performing Financing and Return On Assets. While the remaining 60.6% (1 – 0.394 x 100%) is determined by other factors.