PERBEDAAN DANA PIHAK KETIGA, LIKUIDITAS DAN PROFITABILITAS BANK SYARIAH INDONESIA SEBELUM DAN SESUDAH PENARIKAN DANA MUHAMMADIYAH

ALISYA, PUTRI SALSABILA (2026) PERBEDAAN DANA PIHAK KETIGA, LIKUIDITAS DAN PROFITABILITAS BANK SYARIAH INDONESIA SEBELUM DAN SESUDAH PENARIKAN DANA MUHAMMADIYAH. Diploma thesis, UIN Raden Intan Lampung.

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Abstract

ABSTRAK Penelitian ini bertujuan untuk menganalisis perbedaan Dana Pihak Ketiga (DPK), likuiditas, dan profitabilitas PT Bank Syariah Indonesia Tbk sebelum dan sesudah penarikan dana Muhammadiyah. Pendekatan yang digunakan adalah pendekatan kuantitatif dengan pendekatan berbasis peristiwa (event-based approach), yaitu dengan membandingkan kondisi sebelum dan sesudah terjadinya peristiwa penarikan dana Muhammadiyah pada kuartal II tahun 2024. Data yang digunakan merupakan data sekunder berupa laporan keuangan triwulanan Bank Syariah Indonesia periode kuartal I tahun 2022 hingga kuartal III tahun 2025. Variabel yang dianalisis meliputi Dana Pihak Ketiga (DPK), Cash Ratio (CR), Financing to Deposit Ratio (FDR), Return on Assets (ROA), dan Return on Equity (ROE). Hasil uji normalitas Shapiro-Wilk menunjukkan seluruh variabel berdistribusi normal, sehingga pengujian hipotesis dilakukan menggunakan Paired Sample T-Test untuk mengetahui perbedaan antara periode sebelum dan sesudah peristiwa. Hasil penelitian menunjukkan bahwa Dana Pihak Ketiga (DPK) mengalami perbedaan yang signifikan antara periode sebelum dan sesudah peristiwa (Sig. = 0,006), dengan rata-rata DPK sesudah peristiwa lebih tinggi. Sementara itu, Cash Ratio, FDR, ROA, dan ROE tidak menunjukkan perbedaan yang signifikan secara statistik, meskipun Cash Ratio sempat mengalami penurunan tajam pada kuartal peristiwa. Hal ini menunjukkan bahwa BSI mampu memulihkan dan meningkatkan penghimpunan dana pihak ketiga meskipun sempat mengalami tekanan pada kuartal peristiwa, serta tetap menjaga stabilitas likuiditas dan profitabilitas. Secara keseluruhan, penelitian ini menyimpulkan bahwa dampak penarikan dana Muhammadiyah paling terasa pada aspek Dana Pihak Ketiga, namun tidak memberikan dampak signifikan terhadap likuiditas maupun profitabilitas. Bank Syariah Indonesia mampu menjaga stabilitas kinerja keuangan melalui pengelolaan likuiditas dan permodalan yang efektif, sekaligus menjaga amanah pengelolaan dana pihak ketiga. Kata kunci: Dana Pihak Ketiga, Likuiditas, Profitabilitas, Paired Sample T-Test, Bank Syariah Indonesia. ABSTRACT This study aims to analyze the difference in Third Party Funds (DPK), liquidity, and profitability of PT Bank Syariah Indonesia Tbk before and after the Muhammadiyah fund withdrawal. The research employs a quantitative approach using an event-based approach by comparing financial conditions before and after the withdrawal event that occurred in the second quarter of 2024. The data used are secondary data obtained from the quarterly financial reports of Bank Syariah Indonesia from the first quarter of 2022 to the third quarter of 2025. The variables analyzed include Third Party Funds (DPK), Cash Ratio (CR), Financing to Deposit Ratio (FDR), Return on Assets (ROA), and Return on Equity (ROE). The Shapiro-Wilk normality test showed that all variables were normally distributed, so hypothesis testing was conducted using the Paired Sample T-Test to determine differences between the pre-event and post-event periods. The results indicate that Third Party Funds (DPK) show a significant difference between the periods before and after the event (Sig. = 0.006), with the post-event average higher than before. Meanwhile, Cash Ratio, FDR, ROA, and ROE do not show statistically significant differences, although Cash Ratio experienced a sharp temporary decline in the event quarter. These findings suggest that BSI was able to recover and even increase its third-party fund collection despite short-term pressure, while maintaining liquidity and profitability stability. In conclusion, the withdrawal primarily affects Third Party Funds (DPK) but does not significantly impact liquidity or profitability. Bank Syariah Indonesia is able to maintain financial stability through effective liquidity and capital management, while upholding its amanah (trust) in managing third-party funds. Keywords: Third Party Funds, Liquidity, Profitability, Paired Sample T-Test, Bank Syariah Indonesia.

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