ANALISIS PENGARUH PEMBIAYAAN NATURAL UNCERTAINTY CONTRACT (NUC), DAN NATURAL CERTAINTY CONTRACT (NCC) TERHADAP PROFITABILITAS BANK MUAMALAT INDONESIA PERIODE 2018-2022

Rolin, Aris (2023) ANALISIS PENGARUH PEMBIAYAAN NATURAL UNCERTAINTY CONTRACT (NUC), DAN NATURAL CERTAINTY CONTRACT (NCC) TERHADAP PROFITABILITAS BANK MUAMALAT INDONESIA PERIODE 2018-2022. Diploma thesis, UIN Raden Intan Lampung.

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Abstract

ABSTRAK Dewasa ini perkembangan kegiatan perbankan di Indonesia semakin pesat, tidak hanya pada perbankan konvensional melaikan juga pada perbankan syariah.Dalam satu dekade terakhir perkembangan perbankan konvensional mulai disaingi dengan adanya perbankan syariah.Salah satu perbankan syariah yang mengalami perkembangan yang cukup pesat adalah Bank Muamalat Indonesia Rumusan masalah pada penelitian ini adalah apakah Pembiayaan Natural Uncertainty Contract (NUC), Dan Natural Certainty Contract (NCC) berpengaruh secara parsial terhadap profitabilitas bank muamalat indonesia? apakah Pembiayaan Natural Uncertainty Contract (NUC), Dan Natural Certainty Contract (NCC) berpengaruh secara simultan terhadap profitabilitas bank muamalat indonesia? Penelitian ini termasuk dalam kategori pendekatan kuantitatif dan penelitian ini bersifat asosiatif.Dalam penelitian ini yang diperoleh dari data sekunderyang berupa data time series dengan rentan waktu 5 tahun mulai dari tahun 2018 hingga 2022. Pengumpulan data menggunakan metode dokumentasi dan studi pustaka, data yang terkumpul dianalisis menggunakan analisis regresi linear berganda dengan alat pengolahan data SPSS 26. Hasil penelitian ini menujukan bahwa Variabel pembiayaan Natural Uncertainty Contract (NUC),berpengaruh negatif signifikan terhadap variabel Y (profitabilitas) bank muamalat indonesia. sedangkan pembiayaan natural certainty contract (NCC) berpengaruh positif signifikan terhadap variabel Y profitabilitas.secara simultan pembiayaan natural uncertainty contract dan pembiayaan natural certainty contract berpengaruh terhadap profitabilitas Kata Kunci: Pembiayaan Natural Uncertainty Contracts (NUC), PembiayaanNatural Certainty Contracts (NCC) dan Profitabilitas (ROA). ABSTRACT Today the development of banking activities in Indonesia is increasing rapidly, not only in conventional banking but also in Islamic banking. In the last decade the development of conventional banking has begun to be competed with the existence of Islamic banking. One of the Islamic banks that has experienced quite rapid development is Bank Muamalat Indonesia.The formulation of the problem in this study is whether the Natural Uncertainty Contract (NUC) and Natural Certainty Contract (NCC) Financing partially affect the profitability of bank muamalat Indonesia? Does Natural Uncertainty Contract (NUC) Financing, and Natural Certainty Contract (NCC) have a simultaneous effect on the profitability of bank Muamalat Indonesia? This research is included in the category of quantitative approach and this research is associative in nature. In this research obtained from secondary data in the form of time series data with a span of 5 years starting from 2018 to 2022. Data collection using the documentation and literature study method, the collected data was analyzed using multiple linear regression analysis with SPSS 26 data processing tool. The results of this study indicate that the Natural Uncertainty Contract (NUC) financing variable has a significant negative effect on the Y variable (profitability) of bank muamalat Indonesia. while natural certainty contract financing (NCC) has a significant positive effect on variable Y profitability. simultaneously natural uncertainty contract financing and natural certainty contract financing have an effect on profitability Keywords: Natural Uncertainty Contracts (NUC) Financing, Natural Certainty Contracts (NCC) Financing and Profitability (ROA).

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