Beberapa saran yang dapat penulis berikan untuk penelitian selanjutnya yaitu:
1. Penelitian selanjutnya diharapkan mengembangkan penelitian ini dengan menambahkan variabel lainnya yang dapat mempengaruhi tingkat bagi hasil deposito mudharabah.
2. Untuk peneliti selanjutnya disarankan dapat memperluas objek penelitian dengan menambahkan BPRS serta UUS sebagai objek.
3. Untuk perusahaan sampel, diharapkan penelitian ini dapat dijadikan acuan ini agar bisa memperhatikan kelima faktor dengan cara meningkatkan modal yang memadai untuk menunjang kegiatan operasionalnya dan cadangan untuk menyerap kerugian yang mungkin terja di, sehingga kinerja keuangan dapat dicapai dengan maksimal.
Daftar Pustaka
Amelia, Rizky. 2011. Pengaruh CAR, FDR dan NPF Terhadap Return Bagi Hasil Deposito Mudharabah Pada perbankan Syariah. Skripsi UIN Syarif Hidayatullah.
Jakarta.
Antonio, Muhammad Syafii. 2001. Bank Syari’ah, dari Teori ke Praktek, Jakarta:
Gema Insani Press.
Dewan Syariah Nasional Majelis Ulama Indonesia, Fatwa Dewan Syariah Nasional No: 3/DSNMUI/ IV/2000 tentang Deposito.
Gujarati, D. N. (2007). Dasar- dasar Ekonometrika (3rd ed.). Jakarta : Erlangga.
Ghozali, Imam. (2013). Aplikasi Analisis Multivariate dengan Program IBM SPSS 21 Update PLS regresi. Edisi ke-7. Semarang : Badan Penerbit Universitas Diponegoro.
Isna K dan Sunaryo, Kunti, 2012, Analisis Pengaruh Return On Asset, BOPO, dan Suku Bunga Terhadap Tingkat Bagi Hasil Deposito Mudharabah Pada Bank Umum Syariah, Jurnal Ekonomi dan Bisnis. Volume 11. Nomor 01. September 2012 .
Karim, Adiwarman A. 2004. Bank Islam Analisis Fiqih Dan Keuangan.Edisi Ke VI, Jakarta: PT Raja Grafindo Persada.
Kasmir. 2012. Analisis Laporan Keuangan. Jakarta: Raja Grafindo Persada.
Merkusiwati, Ni Ketut Lely Aryani. 2007. “Evaluasi Pengaruh Camel Terhadap Kinerja Perusahaan “, Buletin Studi Ekonomi, Vol. 12, No. 1.
M. Syafi’i Antonio, Bank Syariah dari Teori ke Praktek, Gema Insani Press, hal 99.
Muhammad. 2005. Manajemen Bank Syariah. Yogyakarta: UPP AMP YKPN.
Sugiyono. (2012). Metode Penelitian Kuantitatif Kualitatif dan R & D. Bandung:
ALFABETA.
Sekaran, U. & Bougie, R, (2013). Research Methods for Business: a skill- building approach (6th ed.). USA : Willey.
Undang – Undang Republik Indonesia No. 21 tahun 2008 tentang Perbankan syariah
Winarno, W. W. (2011). Analisis Ekonometrika dan Statistika dengan EViews.
Yogyakarta: STIM YKPN.
Wiroso. 2005. Penghimpunan Dana dan Distribusi Hasil Usaha Bank Syariah.
Grasindo. Jakarta.
LAMPIRAN 1 DATA PENELITIAN
Nama Bank Tahun TBH ROA NPF BOPO
BCA 2012 8,4456 0,0039 0,0015 0,0039 BCA 2012 8,3962 0,0074 0,0014 0,9224 BCA 2012 8,2810 0,0069 0,0001 0,9261 BCA 2012 8,4814 0,0084 0,0010 0,9087 BCA 2013 8,4166 0,0092 0,0009 0,8876 BCA 2013 8,5635 0,0097 0,0001 0,8836 BCA 2013 8,5198 0,0099 0,0007 0,8746 BCA 2013 8,5899 0,0101 0,0010 0,8691 BCA 2014 8,5353 0,0086 0,0005 0,8537 BCA 2014 8,5105 0,0067 0,0004 0,9494 BCA 2014 8,4757 0,0067 0,0005 0,8915 BCA 2014 8,7348 0,0080 0,0010 0,8810 BCA 2015 9,2455 0,0071 0,0088 0,9062 BCA 2015 9,3629 0,0079 0,0058 0,9489 BCA 2015 9,3827 0,0086 0,0044 0,9461 BCA 2015 9,3936 0,0100 0,0050 0,9410 BCA 2016 9,3432 0,0076 0,0040 0,9407 BCA 2016 9,2951 0,0090 0,0047 0,9287 BCA 2016 9,2838 0,0100 0,0030 0,9290 BCA 2016 9,3995 0,0113 0,0021 0,9218 BNI 2012 9,4972 0,0063 0,0277 0,9120 BNI 2012 9,4951 0,0065 0,0175 0,9281 BNI 2012 9,5061 0,0131 0,0162 0,8646 BNI 2012 9,5460 0,0148 0,0142 0,8539 BNI 2013 9,5253 0,0162 0,0097 0,8295 BNI 2013 9,5241 0,0124 0,0154 0,8444 BNI 2013 9,6038 0,0122 0,0149 0,8406 BNI 2013 9,5266 0,0137 0,0113 0,8394 BNI 2014 8,8401 0,0122 0,0127 0,8451 BNI 2014 9,3361 0,0111 0,0135 0,8632 BNI 2014 9,5391 0,0111 0,0151 0,8585 BNI 2014 9,6512 0,0127 0,0104 0,8503 BNI 2015 8,8248 0,0120 0,0130 0,8987 BNI 2015 9,1232 0,0130 0,0138 0,9039
BNI 2016 8,8949 0,0165 0,0159 0,8537 BNI 2016 9,2030 0,0159 0,0150 0,8588 BNI 2016 9,4544 0,0153 0,0141 0,8628 BNI 2016 9,5546 0,0144 0,0164 0,8767 BRI 2012 9,9147 0,0017 0,0240 0,9915 BRI 2012 9,8320 0,0121 0,0215 0,9116 BRI 2012 9,8270 0,0134 0,0189 0,8995 BRI 2012 9,8561 0,0119 0,0184 0,8663 BRI 2013 10,0492 0,0171 0,0201 0,8554 BRI 2013 10,0748 0,0141 0,0194 0,8755 BRI 2013 10,1019 0,0136 0,0214 0,8080 BRI 2013 10,1414 0,0115 0,0326 0,9524 BRI 2014 10,2069 0,0046 0,0336 0,9243 BRI 2014 10,2069 0,0003 0,0361 0,9984 BRI 2014 10,2069 0,0020 0,0419 0,9735 BRI 2014 10,2069 0,0008 0,0365 0,9914 BRI 2015 9,6629 0,0053 0,0396 0,9613 BRI 2015 9,6314 0,0078 0,0438 0,9384 BRI 2015 9,6144 0,0080 0,0386 0,9397 BRI 2015 9,5879 0,0077 0,0389 0,9379 BRI 2016 9,3674 0,0099 0,0390 0,9070 BRI 2016 9,3674 0,0103 0,0383 0,9041 BRI 2016 9,3640 0,0098 0,0389 0,9099 BRI 2016 9,3363 0,0095 0,0319 0,9133 BJBS 2012 9,4057 0,0094 0,0043 0,9028 BJBS 2012 9,5989 0,0011 0,0399 0,9878 BJBS 2012 9,6326 0,0068 0,0335 0,9046 BJBS 2012 10,0426 0,0067 0,0210 0,9062 BJBS 2013 9,7323 0,0192 0,0098 0,7147 BJBS 2013 9,5395 0,0093 0,0089 0,8452 BJBS 2013 9,5288 0,0091 0,0113 0,8504 BJBS 2013 9,5581 0,0091 0,0116 0,8576 BJBS 2014 9,6501 0,0015 0,0233 0,9742 BJBS 2014 9,4946 0,0007 0,0241 0,9882 BJBS 2014 9,6760 0,0046 0,0563 0,9298 BJBS 2014 9,6561 0,0072 0,0387 0,9101 BJBS 2015 9,4495 0,0008 0,0498 0,9873 BJBS 2015 9,7132 0,0007 0,0478 0,9947 BJBS 2015 9,6760 -0,0095 0,0450 0,8426 BJBS 2015 9,6561 0,0025 0,0494 0,9878 BJBS 2016 9,5714 0,0090 0,0426 0,9512
BJBS 2016 9,6437 -0,0194 0,1354 1,0612 BJBS 2016 9,6487 -0,0615 0,0406 1,1866 BJBS 2016 9,8387 -0,0809 0,0494 1,2277 MAYBANK 2013 7,1761 0,0512 0,0139 0,6763 MAYBANK 2013 7,2304 0,0232 0,0000 0,7400 MAYBANK 2013 7,3010 0,0284 0,0288 0,6928 MAYBANK 2013 7,4314 0,0287 0,0269 0,6779 MUAMALAT 2012 10,4004 0,0151 1,9700 0,8566 MUAMALAT 2012 10,1194 0,0161 0,0194 0,8456 MUAMALAT 2012 10,1793 0,0162 0,0161 0,8400 MUAMALAT 2012 10,3666 0,0154 0,0181 0,8448 MUAMALAT 2013 10,4131 0,0172 0,0176 0,8207 MUAMALAT 2013 10,6762 0,0166 0,0186 0,8279 MUAMALAT 2013 10,3309 0,0168 0,0184 0,8267 MUAMALAT 2013 10,3545 0,0137 0,0078 0,8512 MUAMALAT 2014 10,4114 0,0144 0,0156 0,0144 MUAMALAT 2014 10,4615 0,0103 0,0318 0,8911 MUAMALAT 2014 10,4802 0,0010 0,0474 0,9832 MUAMALAT 2014 10,5953 0,0017 0,0476 0,9733 PANIN 2012 8,8007 0,0235 0,0061 0,6959 PANIN 2012 8,8621 0,0303 0,0023 0,6062 PANIN 2012 8,7520 0,0290 0,0016 0,5974 PANIN 2012 9,1433 0,0348 0,0019 0,4760 PANIN 2013 9,2238 0,0272 0,0060 0,5942 PANIN 2013 9,1833 0,0234 0,0056 0,6434 PANIN 2013 9,4874 0,0218 0,0101 0,6417 PANIN 2013 9,4911 0,0103 0,0077 0,8131 PANIN 2014 9,5458 0,0145 0,0094 0,8067 PANIN 2014 9,5497 0,0164 0,0057 0,7558 PANIN 2014 9,6092 0,0182 0,0043 0,7290 PANIN 2014 9,7833 0,0199 0,0029 0,8258 PANIN 2015 9,7515 0,0156 0,0064 0,7919 PANIN 2015 9,7661 0,0122 0,0055 0,8880 PANIN 2015 9,7293 0,0113 0,0124 0,8957 PANIN 2015 9,7094 0,0114 0,0194 0,8929 PANIN 2016 9,7943 0,0020 0,0169 0,9814 PANIN 2016 9,8041 0,0036 0,0196 0,9651 PANIN 2016 9,7785 0,0042 0,0184 0,9591 PANIN 2016 9,8406 0,0037 0,0186 0,9617 BUKOPIN 2012 9,2698 0,0054 0,0285 0,9445
BUKOPIN 2012 9,4717 0,0061 0,0446 0,9334 BUKOPIN 2012 9,5635 0,0055 0,0426 0,9159 BUKOPIN 2013 9,5391 0,0108 0,0428 0,8867 BUKOPIN 2013 9,4593 0,0104 0,0403 0,8882 BUKOPIN 2013 9,5338 0,0079 0,0386 0,9150 BUKOPIN 2013 9,5056 0,0069 0,0368 0,9229 BUKOPIN 2014 9,5291 0,0022 0,0397 0,9733 BUKOPIN 2014 9,6461 0,0027 0,0386 0,9683 BUKOPIN 2014 9,6999 0,0023 0,0381 0,9708 BUKOPIN 2014 9,6154 0,0027 0,0334 0,9673 BUKOPIN 2015 9,5659 0,0035 0,0395 0,9610 BUKOPIN 2015 9,7014 0,0049 0,0247 0,9478 BUKOPIN 2015 9,7534 0,0066 0,0245 0,9314 BUKOPIN 2015 9,7946 0,0079 0,0274 0,9199 BUKOPIN 2016 9,7921 0,0113 0,0234 0,8895 BUKOPIN 2016 9,8274 0,0100 0,0237 0,8988 BUKOPIN 2016 9,8341 0,0099 0,0205 0,8974 BUKOPIN 2016 9,8014 0,0076 0,0272 0,9176 BSM 2012 10,0658 0,0217 0,0086 0,7047 BSM 2012 10,1962 0,0225 0,0141 0,7011 BSM 2012 10,0851 0,0222 0,0155 0,7114 BSM 2012 9,9663 0,0225 0,0114 0,7300 BSM 2013 9,9086 0,0256 0,0155 0,6924 BSM 2013 10,1291 0,0179 0,0110 0,8163 BSM 2013 10,1650 0,0151 0,0159 0,8753 BSM 2013 10,2086 0,0153 0,0229 0,8403 BSM 2014 10,2322 0,0177 0,0265 0,8199 BSM 2014 10,2039 0,0066 0,0390 0,9303 BSM 2014 10,1603 0,0080 0,0423 0,9302 BSM 2014 10,1269 0,0017 0,0429 0,9846 BSM 2015 10,1264 0,0081 0,0441 0,9157 BSM 2015 10,0738 0,0055 0,0470 0,9616 BSM 2015 10,1046 0,0042 0,0434 0,9741 BSM 2015 10,1635 0,0056 0,0405 0,9478 BSM 2016 10,1451 0,0056 0,0432 0,9444 BSM 2016 10,1032 0,0062 0,0374 0,9376 BSM 2016 10,1131 0,0060 0,0363 0,9393 BSM 2016 10,0147 0,0059 0,0313 0,9412 MEGA 2012 9,3858 0,0352 0,0153 0,8003 MEGA 2012 9,3541 0,0413 0,0151 0,7730 MEGA 2012 9,4711 0,0411 0,0141 0,7689
MEGA 2012 9,6431 0,0381 0,0132 0,7728 MEGA 2013 9,7049 0,0357 0,0142 0,7748 MEGA 2013 9,7805 0,0294 0,0219 0,8141 MEGA 2013 9,5638 0,0257 0,0163 0,8421 MEGA 2013 9,7551 0,0233 0,0145 0,8609 MEGA 2014 9,7826 0,0118 0,0162 0,8982 MEGA 2014 9,7815 0,0099 0,0181 0,9190 MEGA 2014 9,7546 0,0024 0,0182 0,9796 MEGA 2014 9,7855 0,0029 0,0181 0,9761 MEGA 2015 9,7851 -0,0121 0,0196 1,1053 MEGA 2015 9,1775 -0,0073 0,0307 1,0480 MEGA 2015 9,2330 -0,0034 0,0308 1,0233 MEGA 2015 9,2874 0,0030 0,0316 0,9951 MEGA 2016 9,1229 -0,0323 0,0479 1,3320 MEGA 2016 9,4689 0,0321 0,0303 0,8907 MEGA 2016 9,4293 0,0263 0,0283 0,8950 MEGA 2016 9,5650 0,0263 0,0281 0,8816
LAMPIRAN 2
Data Output Hasil Penelitian
Uji Chow
Redundant Fixed Effects Tests Equation: Untitled
Test cross-section fixed effects
Effects Test Statistic d.f. Prob.
Cross-section F 75.072083 (9,163) 0.0000
Cross-section Chi-square 288.295351 9 0.0000
Cross-section fixed effects test equation:
Dependent Variable: TBH Method: Panel Least Squares Date: 03/23/18 Time: 18:25 Sample: 2012Q1 2016Q4 Periods included: 20 Cross-sections included: 10
Total panel (unbalanced) observations: 176
Variable Coefficient Std. Error t-Statistic Prob.
ROA -4.531472 3.981805 -1.138045 0.2567
NPF 0.550770 0.292487 1.883061 0.0614
BOPO 0.485227 0.382689 1.267942 0.2065
C 9.162435 0.364407 25.14341 0.0000
R-squared 0.061002 Mean dependent var 9.558589
Adjusted R-squared 0.044624 S.D. dependent var 0.584415 S.E. of regression 0.571227 Akaike info criterion 1.740404 Sum squared resid 56.12358 Schwarz criterion 1.812460 Log likelihood -149.1555 Hannan-Quinn criter. 1.769629
F-statistic 3.724673 Durbin-Watson stat 0.135623
Prob(F-statistic) 0.012523
Uji Hausman
Correlated Random Effects - Hausman Test Equation: Untitled
Test cross-section random effects
Test Summary Chi-Sq. Statistic Chi-Sq. d.f. Prob.
Cross-section random 15.483827 3 0.0014
Cross-section random effects test comparisons:
Variable Fixed Random Var(Diff.) Prob.
ROA 0.131520 -0.299654 0.023359 0.0048
NPF -0.022134 -0.008208 0.000039 0.0266
BOPO 0.435295 0.440654 0.000093 0.5793
Cross-section random effects test equation:
Dependent Variable: TBH Method: Panel Least Squares Date: 03/23/18 Time: 19:58 Sample: 2012Q1 2016Q4 Periods included: 20 Cross-sections included: 10
Total panel (unbalanced) observations: 176
Variable Coefficient Std. Error t-Statistic Prob.
C 9.176448 0.177829 51.60266 0.0000
ROA 0.131520 2.031110 0.064753 0.9485
NPF -0.022134 0.138661 -0.159627 0.8734
BOPO 0.435295 0.187177 2.325577 0.0213
Effects Specification Cross-section fixed (dummy variables)
R-squared 0.817496 Mean dependent var 9.558589
Adjusted R-squared 0.804060 S.D. dependent var 0.584415 S.E. of regression 0.258692 Akaike info criterion 0.204635 Sum squared resid 10.90819 Schwarz criterion 0.438818 Log likelihood -5.007845 Hannan-Quinn criter. 0.299618
F-statistic 60.84431 Durbin-Watson stat 0.561641
Prob(F-statistic) 0.000000
Uji Normalitas
0 4 8 12 16 20
-0.6 -0.4 -0.2 0.0 0.2 0.4
Series: Standardized Residuals Sample 2012Q1 2016Q4 Observations 176 Mean -5.05e-18 Median 0.014044 Maximum 0.541857 Minimum -0.652296 Std. Dev. 0.249665 Skewness -0.379223 Kurtosis 2.992005 Jarque-Bera 4.218901 Probability 0.121305
Uji Hetero
Dependent Variable: LNRESID Method: Panel Least Squares Date: 03/23/18 Time: 20:01 Sample: 2012Q1 2016Q4 Periods included: 20 Cross-sections included: 10
Total panel (unbalanced) observations: 176
Variable Coefficient Std. Error t-Statistic Prob.
ROA -5.781450 18.17258 -0.318141 0.7508
NPF -1.229773 1.240615 -0.991261 0.3230
BOPO 0.401490 1.674698 0.239739 0.8108
C -4.585260 1.591057 -2.881895 0.0045
Effects Specification Cross-section fixed (dummy variables)
R-squared 0.267114 Mean dependent var -4.335171
Adjusted R-squared 0.213159 S.D. dependent var 2.609290 S.E. of regression 2.314547 Akaike info criterion 4.587298 Sum squared resid 873.2115 Schwarz criterion 4.821482 Log likelihood -390.6822 Hannan-Quinn criter. 4.682282
F-statistic 4.950693 Durbin-Watson stat 1.693650
Prob(F-statistic) 0.000001
Uji Multikol
TBH ROA NPF BOPO
TBH 1
- 0.179010339777
0986
0.146582853332 4752
0.185806043506 4943
ROA
- 0.179010339777
0986 1
- 0.025530721570
9189
- 0.600179887610
9135
NPF
0.146582853332 4752
- 0.025530721570
9189 1
0.039725047272 03314
BOPO
0.185806043506 4943
- 0.600179887610
9135
0.039725047272
03314 1
TBH ROA NPF BOPO
TBH 1.0000 -0.1790 0.1466 0.1858
ROA -0.1790 1.0000 -0.0255 -0.6002
NPF 0.1466 -0.0255 1.0000 0.0397
BOPO 0.1858 -0.6002 0.0397 1.0000
Uji Autokol
Dependent Variable: TBH Method: Panel Least Squares Date: 03/23/18 Time: 20:05 Sample (adjusted): 2012Q2 2016Q4 Periods included: 19
Cross-sections included: 10
Total panel (unbalanced) observations: 166 Convergence achieved after 6 iterations
Variable Coefficient Std. Error t-Statistic Prob.
ROA 0.583691 1.789618 0.326154 0.7448
NPF 0.215098 0.116258 1.850175 0.0662
BOPO -0.060715 0.121793 -0.498510 0.6188
C 9.694466 0.132154 73.35728 0.0000
AR(1) 0.772248 0.051501 14.99493 0.0000
Effects Specification Cross-section fixed (dummy variables)
R-squared 0.916799 Mean dependent var 9.578011
Adjusted R-squared 0.909683 S.D. dependent var 0.555875
Log likelihood 68.81371 Hannan-Quinn criter. -0.553873
F-statistic 128.8380 Durbin-Watson stat 2.228605
Prob(F-statistic) 0.000000 Inverted AR Roots .77
Statistik Deskriftif
TBH ROA NPF BOPO
Mean 9.558589 0.010490 0.033453 0.876421
Median 9.611800 0.009900 0.018500 0.898450
Maximum 10.67620 0.051200 1.970000 1.332000
Minimum 7.176100 -0.080900 0.000000 0.003900
Std. Dev. 0.584415 0.013558 0.147750 0.141133
Skewness -1.479045 -2.325207 12.90281 -2.646222
Kurtosis 6.734056 18.55493 169.6077 18.38980
Jarque-Bera 166.4188 1932.937 208443.0 1942.276
Probability 0.000000 0.000000 0.000000 0.000000
Sum 1682.312 1.846200 5.887700 154.2501
Sum Sq. Dev. 59.76966 0.032168 3.820252 3.485756
Observations 176 176 176 176
Curriculum Vitae
Emalia Zalfiyani
Jl. Merdeka RT/ Rw 002 Kel/Desa Purwodadi, Kecamatan Tebing Tinggi Tnajung Jabung Barat Jambi
Full Name : Emalia Zalfiyani
Sex : Female
Place, Date of Birth : Bangun Karya , April 06 1994 Nationality : Indonesia
Marital Status : Single
Height, Weight : 155 cm, 53 kg
Health : Fine
Religion : Moeslem
Phone, Mobile : 081270976677
E-mail : [email protected]
PERSONALITIES
Faithful, smart worker, able to work in groups, honest, cooperative, discipline, principal, fast learner, good interpersonal and communication skill.
EDUCATIONAL BACKGROUND
Formal Educations
2012 - Present Sekolah Tinggi Ilmu Ekonomi Indonesia Banking School (STIE IBS), Major in Accounting, Jakarta
2007 - 2010 SMP Pondok Pesantren Darunnajah
2000 – 2006 SD Yayasan Pendidikan Mayang Mangurai (YPMM) Non Formal Educations
➢ Basic Activist Training Program, STIE IBS (certified)
➢ Leadership Training, Rindam Jaya (certified)
➢ Zahir Accounting Software (certified)
➢ English For Business Banking , GMU
➢ TOEFL GMU
➢ Mini Banking Training, STIE IBS
➢ Credit Analyst Training, STIE IBS (certified)
➢ Basic Treasury Training, STIE IBS (certified)
➢ Trade Financing Training, STIE IBS (certified)
➢ Effective Selling Skill Training, STIE IBS (certified)
2006
2011 Marching Band Darunnajah
Organisasi Santri Darunnajah (OSDN) 2013
2013 2014
Stock Simulation
Accounting Goes To IBS (AGTI) IBS Super Cup IV
ACHIEVEMENTS
WORKING EXPERIENCE
2015 Internship at KPw Bank Indonesia Kepulauan Riau 2015 Internship at PT. Migas Mandiri Pratama KALTIM
SKILLS
1. Banking Operation Skills
2. Computer Literate (MS. Word, MS. Excel, and MS. Power Point) 3. Internet Literate
4. Accounting Software (Zahir) ORGANIZATION EXPERIENCES
2015 2012 2013