ANALISIS KOMPARASI RECEIVABLE FINANCING DAN INVENTORY FINANCING TERHADAP PROFITABILITAS BANK SYARIAH DI INDONESIA (PERIODE SEBELUM PANDEMI DAN DISAAT PANDEMI COVID-19)

Roby, Nizar Pratama (2022) ANALISIS KOMPARASI RECEIVABLE FINANCING DAN INVENTORY FINANCING TERHADAP PROFITABILITAS BANK SYARIAH DI INDONESIA (PERIODE SEBELUM PANDEMI DAN DISAAT PANDEMI COVID-19). Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Bank sebagai lembaga keuangan yang memiliki banyak aktivitas, memiliki peluang yang sangat luas dalam memperoleh pendapatan (income/return). Dalam menjalankan aktivitasnya dan untuk memperoleh pendapatan, perbankan selalu dihadapkan pada risiko. Risiko yang mungkin terjadi dapat menimbulkan kerugian bagi bank jika tidak dideteksi serta tidak dikelola sebagaimana mestinya seperti adanya pandemi covid-19 yang menyerang seluruh dunia. Penelitian ini dilaksanakan pada sebelum pandami dan disaat pandemi yaitu Bulan November 2018-Juni 2021 . Penelitian ini menggunakan pendekatan Deskriptif Kuantitatif. Populasi dalam penelitian ini adalah Statistik Perbankan Syairah Bulanan BUS dan UUS yang terdapat di Website Otoritas Jasa Keuangan. Dalam hal ini teknik sampling yang digunakan adalah teknik sampling jenuh sehongga diperoleh 32 data yang digunakan menjadi sampel penelitian. Hasil yang diperoleh dari penelitian ini yaitu menunjukkan bahwa Receivable Financing dan Inventory Financing berpengaruh signifikan terhadap Profitabilitas Bank Syariah di Indonesia. Dari hasil tersebut terdapat perbedaan yang signifikan, Hasil Uji Paired t�test data receivable financing, diperoleh nilai signifikansi sebesar 0,000. Karena nilai signifikansi lebih kecil dari taraf signifikansi (0,000<0,05), maka dapat disimpulkan bahwa pada taraf signifikansi 5% terdapat perbedaan secara signifikan receivable financing sebelum dan saat pandemi covid-19 terhadap profitabilitas bank syariah di Indonesia. Begitupun dengan data inventory financing, diperoleh nilai signifikansi sebesar 0,000. Karena nilai signifikansi lebih kecil dari taraf signifikansi (0,000<0,05), maka dapat disimpulkan bahwa pada taraf signifikansi 5% terdapat perbedaan secara signifikan inventory financing sebelum dan saat pandemi covid-19 terhadap profitabilitas bank syariah di Indonesia. Kata Kunci: Receivable Financing, Inventroy Financing, Profitabilitas Bank Syariah Di Indoensia. ABSTRACT Banks as financial institutions that have many activities, have very wide opportunities to earn income (income/return). In carrying out its activities and to earn income, banks are always faced with risks. Risks that may occur can cause losses to the bank if it is not detected and not managed properly like the covid-19 pandemic that is attacking the whole world. This research was carried out before and during the pandemic, namely November 2018-June 2021. This study uses a quantitative descriptive approach. The population in this study is the Monthly Syairah Banking Statistics of BUS and UUS which are found on the Website of the Financial Services Authority. In this case the sampling technique used is a saturated sampling technique so that 32 data are obtained which are used as research samples. The results obtained from this study indicate that Receivable Financing and Inventory Financing have a significant effect on the profitability of Islamic banks in Indonesia. From these results there are significant differences, the results of the Paired t-test of data receivable financing, obtained a significance value of 0.000. Because the significance value is smaller than the significance level (0.000 <0.05), it can be concluded that at the 5% significance level there is a significant difference in receivable financing before and during the COVID-19 pandemic on the profitability of Islamic banks in Indonesia. Likewise with inventory financing data, obtained a significance value of 0.000. Because the significance value is smaller than the significance level (0.000 <0.05), it can be concluded that at the 5% significance level there is a significant difference in inventory financing before and during the COVID-19 pandemic on the profitability of Islamic banks in Indonesia. Keywords: Receivable Financing, Inventroy Financing, Profitability of Sharia Banks in Indonesia.

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