Analisis Pengaruh Faktor-Faktor Kinerja Keuangan dan Aspek Teknologi Terhadap Market Share Perbankan Syariah di Indonesia Periode 2011-2017

Abstract

Abstract. This research have purpose to know the Influence Analysis of Financial Performance Factors and Aspects of Technology Against Market Share of Sharia Banking in Indonesia 2011-2017 Period. The data that used was secondary data from 6 companies that registered in Financial Fervices Authority finance yearly report. The analysis method used were analysis of classical assumption, multiple regression analysis, coefficient of determination analysis, partial and simultaneous hypothesis test. The result of this research showed that Operational Cost Operating Income (BOPO) variable have significant influence to the Market Share of Sharia Banking in Indonesia as partial with 10% significant, even BOPO, ROA, NPF, and electronic banking variable simultaneously haven’t significant influence against market share of sharia banking in indonesia.

Keywords: performance of financial, Market Share, Electronic Banking, Sharia Banking.

Abstrak. Penelitian ini bertujuan untuk mengetahui Analisis Pengaruh Faktor-Faktor Kinerja Keuangan dan Aspek Teknologi Terhadap Market Share Perbankan Syariah di Indonesia Periode 2011-2017. Data yang digunakan adalah data sekunder dari laporan keuangan tahunan 6 perusahaan yang terdaftar di Otoritas Jasa Keuangan. Metode analisis yang digunakan adalah analisis asumsi klasik, analisis regrei berganda, analisis koefisien deterinasi, uji hipotesis secara parsial dan simultan. Hasil penelitian menunjukkan bahwa variabel Biaya Operasional Pendapatan Operasional (BOPO) mempunyai pengaruh signifikan terhadap market share perbankan syariah di Indonesia secara parsial dengan signifikasi 10%, sedangkan variabel BOPO, ROA, NPF, dan electronic banking secara simultan tidak mempunyai pengaruh signifikan terhadap market share perbankan syariah di Indonesia.

Kata kunci: Kinerja Keuangan, Market Share, Electronic Banking, Perbankan Syariah.