PENGARUH FEE BASED INCOME (FBI) DAN CURRENT ACCOUNT SAVING ACCOUNT (CASA) TERHADAP PROFITABILITAS PADA BANK UMUM SYARIAH DI INDONESIA

INTAN, PUSPITA SARI (2024) PENGARUH FEE BASED INCOME (FBI) DAN CURRENT ACCOUNT SAVING ACCOUNT (CASA) TERHADAP PROFITABILITAS PADA BANK UMUM SYARIAH DI INDONESIA. Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Fee Based Income merupakan keuntungan yang didapat dari transaksi yang diberikan dalam jasa-jasa bank lainya. Sumber pendapatan dalam Fee Based Income yaitu transfer, inkaso, letter of credit, safe deposit box, credit card, dana pembayaran rekening titipan, garansi bank, dan jual beli atau perdagangan valuta asing. Pendapatan yang didapatkan melalui jasa akan berpengaruh juga terhadap profitabilitas yang didapatkan pada bank Sedangkan Current Account Saving Account adalah dana murah atau yang sering disebut dengan Current Account Saving Account (CASA) merupakan dana perbankan yang berasal dari tabungan dan giro. Penelitian ini bertujuan Untuk menganalisis pengaruh fee based income dan pengaruh current account saving account terhadap profitabilitas pada Bank Umum Syariah di Indoesia Periode 2018- 2022. Untuk menganalisis pengaruh fee based income dan current account saving account secara bersama-sama terhadap profitabilitas pada Bank Umum Syariah di Indoesia Periode 2018-2022. Pendekatan penelitian adalah penelitian kuantitatif dengan sumber data yang digunakan berupa data sekunder (berupa data panel). Populasi dalam penelitian ini adalah Bank Syariah Indonesia yang terdaftar di Bank Indonesia yang terdapat dalam Statistik Perbankan Syariah (SPS) dengan sampel penelitian data laporan keuangan publikasi tahunan dari tahun 2018-2022. Metode analisis data adalah analisis regresi data panel menggunakan program komputer Eviews versi 10. Hasil penelitian ini menunjukkan bahwa ada pengaruh signifikan antara variabel bebas FBI (Fee Based Income), dan CASA (Current Assets Saving Assets) secara simultan terhadap variabel terikat (Profitabilitas) pada Bank Umum Syariah. Terjadi hubungan yang masuk kategori rendah antara variabel FBI (Fee Based Income), dan variabel CASA (Current Assets Saving Assets) terhadap Profitabilitas (ROA) pada Bank Umum Syariah yang terdaftar di Otoritas Jasa Keuangan (OJK) periode 2018 – 2022. Kata Kunci : Fee Based Income,Profitabilitas,CASA, dan Bank Umum Syariah. iii ABSTRACK Fee Based Income is a profit obtained from transactions provided in other bank services. Sources of income in Fee Based Income are transfers, collections, letters of credit, safe deposit boxes, credit cards, deposit account payment funds, bank guarantees, and buying and selling or foreign exchange trading. Income obtained through services will also influence the profitability obtained at the bank. Meanwhile, Current Account Saving Accounts are cheap funds or what are often called Current Account Saving Accounts (CASA), which are banking funds that come from savings and current accounts. This research aims to analyze the influence of fee based income and the influence of current account savings accounts on profitability at Sharia Commercial Banks in Indonesia for the 2018-2022 period. To analyze the influence of fee based income and current account savings account together on profitability at Sharia Commercial Banks in Indonesia for the 2018-2022 period. The research approach is quantitative research with the data source used in the form of secondary data (in the form of panel data). The population in this research is Indonesian Sharia Banks registered with Bank Indonesia which are contained in the Sharia Banking Statistics (SPS) with a research sample of annual published financial report data from 2018- 2022. The data analysis method is panel data regression analysis using the Spss software . The results of this research show that there is a significant influence between the independent variables FBI (Fee Based Income) and CASA (Current Assets Saving Assets) simultaneously on the dependent variable (Profitability) in Sharia Commercial Banks. There is a relationship that is in the low category between the FBI (Fee Based Income) variable and the CASA (Current Assets Saving Assets) variable on Profitability (ROA) in Sharia Commercial Banks listed on the Financial Servives Authority (OJK) for the 2018 - 2022 period. Keywords: Fee Based Income, Profitability, CASA, and Sharia Commercial Banks.

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