The Influence of Third Party Fund on Profit Sharing Finance and Their Impacts on Profitability

Abstract

Based on the results of research and discussion on the effect of third-party funds to finance for the results and their impact on profitability (ROA) at PT. Bank Syariah Mandiri 2011-2014 period, it can be concluded as follows: The growth of third party funds of PT Bank Syariah Mandiri, the highest was 52%, and reached their lowest growth amounted, 11:06%. Growth financing for the results of PT Bank Syariah Mandiri is 13.60% at high, and reach a low of -3.89%. Growth in profitability of PT Bank Syariah Mandiri fluctuated its highest, 33.68%, and the lowest rate of -88.13%. Third party funds affect the financing for the results, where the greater third party funds, the financing for the higher result as well, giving the effect of third party funds amounting to 81% of the financing for the results of PT. Bank Syariah Mandiri. The direct effect of third-party funds to finance for the results of 0752, the direct effect on the profitability of third party funds amounting to 0.0427, the direct effect on the profitability of financing for the results of 0.374 and the effect on the profitability of third party funds through financing for a yield of 0.449.