PENGARUH DANA PIHAK KETIGA, PEMBIAYAAN, DAN EFISIENSI OPERASIONAL TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA

Abstract

This research examines how third-party funds, financing, and operational efficiency become an instrument to show their influence on the profitability of Islamic banks in Indonesia during 2004 to 2009. This research is based on secondary data which consist of published financial statement of Indonesian banking. Data analysis method which used in this model is multiple linear regression using Partial Least Square as an alternative method. In this model, the independent variables i.e. third-party funds, financing, and operational efficiency were estimated influence on profitability as a dependent variable. The result of this research showed that all independent variables significantly influence to the dependent variable with two of independent variable i.e financing and operational efficiency have a negative influence to profitability while third-party funds showed a positive influeced.