Faktor-Faktor Internal yang Mempengaruhi Pertumbuhan Aset Bank Umum Syariah di Indonesia selama Satu Dekade (2009-2018)

Abstract

The development of islamic banking is interesting to observe interm of the increasing number of islamic commercial banks over the past decade. Islamic commercial banks should be able to present their professional services in order to manage people's funds through assets owned by banks. This study aims to analyze the effect of internal factors, such as profit sharing, promotion, training, non-performing financing, return on assets, financing to deposit ratio and the number of offices to the growth of Islamic commercial bank assets. The population of this study are all islamic commercial banks in Indonesia. The samples of this study are islamic commercial bank registered on the Otoritas Jasa Keuangan in 2009-2018, and obtained six islamic commercial banks as the samples using purposive sampling methods. Hypothesis testing is done by multiple linear regression analysis. The results show that promotion, non-performing financing and financing to deposit ratio has affect to the growth of islamic commercial bank assets, while profit sharing, training, return on assets and the number of offices have no affect to the growth of Islamic commercial bank assets.