EFFECT OF SCNP FINANCAL PERFORMANCE ON THIRD PARTY FUNDS GROWTH IN INDONESIAN ISLAMIC BANKS (2017-2023)

Aninda, Nur’aini and Femei, Purnamasari and Gustika, Nurmalia EFFECT OF SCNP FINANCAL PERFORMANCE ON THIRD PARTY FUNDS GROWTH IN INDONESIAN ISLAMIC BANKS (2017-2023). JIPSYA : Jurnal Ilmu Perbankan dan Keuangan Syariah.

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Abstract

ABSTRAK Penelitian ini bertujuan untuk menganalisis pengaruh kinerja keuangan perbankan syariah terhadap pertumbuhan Dana Pihak Ketiga (DPK) di Indonesia pada periode 2017–2023 dengan menggunakan pendekatan Sharia Conformity and Profitability (SCnP). SCnP merupakan pendekatan yang mengukur keseimbangan antara kepatuhan terhadap prinsip-prinsip syariah dan kemampuan bank dalam menghasilkan keuntungan (profitabilitas). Penelitian ini menggunakan metode kuantitatif deskriptif dengan data panel dan analisis regresi data panel Fixed Effect Model (FEM). Sampel penelitian terdiri dari delapan Bank Umum Syariah di Indonesia yang dipilih menggunakan teknik purposive sampling. Hasil penelitian menunjukkan bahwa Islamic Investment Ratio (IIR) dan Islamic Income Ratio (IsIR) tidak berpengaruh signifikan terhadap pertumbuhan DPK. Sebaliknya, Return on Assets (ROA) berpengaruh positif dan signifikan, yang menunjukkan bahwa profitabilitas memiliki peran dominan dalam menarik dana masyarakat dibandingkan indikator kepatuhan syariah. Penelitian ini memberikan kontribusi ilmiah dengan mengisi kesenjangan studi sebelumnya yang jarang menggabungkan aspek syariah dan profitabilitas secara simultan dalam analisis pertumbuhan DPK. Temuan ini juga memiliki implikasi praktis, yaitu bank syariah perlu menjaga efisiensi operasional sekaligus memperkuat struktur investasi syariah agar tetap kompetitif dan dipercaya masyarakat. Kata Kunci: Perbankan syariah; Return on Assets; Islamic Investment Ratio; Islamic Income Ratio; pertumbuhan Dana Pihak Ketiga. ABSTRACK This study aims to analyze the effect of Islamic banking financial performance on the growth of Third Party Funds (TPF) in Indonesia in the period 2017–2023 using the Sharia Conformity and Profitability (SCnP) approach. SCnP is an approach that measures the balance between compliance with sharia principles and the bank's ability to generate profits (profitability). This study uses a descriptive quantitative method with panel data and Fixed Effect Model (FEM) regression analysis. The research sample consisted of eight Islamic Commercial Banks in Indonesia selected using purposive sampling techniques. The results of the study show that the Islamic Investment Ratio (IIR) and Islamic Income Ratio (IsIR) do not have a significant effect on TPF growth. On the contrary, Return on Assets (ROA) has a positive and significant effect, indicating that profitability has a dominant role in attracting public funds compared to sharia compliance indicators. This study provides a scientific contribution by filling the gap in previous studies that rarely combine sharia and profitability aspects simultaneously in the analysis of TPF growth. This finding also has practical implications, namely that Islamic banks need to maintain operational efficiency while strengthening the structure of sharia investment in order to remain competitive and trusted by the public.. Keywords: Islamic banking; Return on Assets ; Islamic Investment Ratio; Islamic Income Ratio; Third Party Fund growth.

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