Pengaruh Struktur Kepemilikan Bank Terhadap Kinerja Unit Usaha Syariah Pada Bank di Indonesia

Nurjannah, Hafidzah and Efnita, Yul and Sundari, Eva (2018) Pengaruh Struktur Kepemilikan Bank Terhadap Kinerja Unit Usaha Syariah Pada Bank di Indonesia. Jurnal Tabarru : Islamic Banking and Finance, 1 (2). pp. 25-32. ISSN 2621 - 6833

Text 18. Pengaruh Struktur Kepemilikan Bank Terhadap Kinerja Unit Usaha Syariah.pdf - Published Version Download (475kB)

Abstract

The objectives of this research is to analyze the effect of significantly partially or simultaneously on a dummy variable ownership of banks, deposit (DPK), loan to deposit ratio (LDR) and the Capital Adequacy Ratio (CAR), Non Performing Loan (NPL ) and Size banks on profitability (ROA) at banks that have Unit Usaha Syariah (UUS) whether Regional Development Banks (RDB) and private owned banks. The population and sample consists of 24 Islamic UUS Regional Development Banks (RDB) and private owned banks. From the 24 banks, only 18 banks were selected to be the sample. The banks are 7 private banks and 11 regional development banks. The periodof this studyis from 2010 to 2014. Data are taken from the bank’ sannual reports. This study using panel data and using pooled Ordinary Least Squares(OLS). The results showed UUS belongs to a regional development bank is better than UUS privately owned banks. This shows due to several factors. First, the loan only for local government officials in which the loan repayment through salary deductions, they see themselves so that the probability that they are unable to pay the loan is very low despite the unstable economic situation. Second, because RDB provide services only to local only, so have specific knowledge about the area. This will allow customers assess loan applications and identifying eligible loans. Third, the performance of RDB supervised by local governments is more intensive.

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