SKRIPSI PBS
PENGARUH DEBT FINANCING DAN EQUITY FINANCING TERHADAPPROFIT EXPENSE RATIO PADA BANK UMUM SYARIAH DIINDONESIA PERIODE 2016-2020
ABSTRACTProfit expense ratio to assess profitability in terms of cost efficiency,which assesses the bank's ability to earn high profits with the burdens that mustbe borne by the bank. This study aims to determine the effect of debt financing andequity financing on profit expense ratios at Islamic Commercial Banks inIndonesia for the 2016-2020 period.This study uses quantitative methods and usessecondary data on time series. The population in this study uses financial reportdata for Islamic Commercial Banks in Indonesia in 2016-2020.The sample used was 100 consisting of 5 Islamic Commercial Banksnamely BRI Syariah, Bank Muamalat Indonesia, Bank Syariah Mandiri, Bank KBBukopin Syariah, and Bank Jabar Banten Syariah. This research variable uses 2variables, namely the dependent variable and the independent variable. Thedependent variable (Y) is the profit expense ratio, while the independent variable(X) is debt financing and equity financing. The data analysis technique used ismultiple linear regression using SPSS version 22.Based on testing and the results of data analysis and discussion of dataanalysis, it can be concluded that the debt financing variable has a significantinfluence on the profit expense ratio, with a partial value of t count > t table(4.450 > 1.984). Equity financing variable does not have a significant effect onprofit expense ratio, with a partial value of t count 3.09).Keywords: debt financing, equity financing, profit expense ratio
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