ANALISIS PENGARUH DIVERSIFIKASI PRODUK PEMBIAYAAN TERHADAP PROFITABILITAS BANK SYARIAH DI INDONESIA
Abstract
This study is aimed at investigate whether there is an effect on the diversification of financing products done by Sharia banks on profitability. The sample in this study are five Sharia Commercial Bank in Indonesia, which are Bank Muamalat Indonesia, Bank Syariah Mandiri, BNI Syariah, BRI Syariah and Bank Syariah Bukopin with the period of the first quarter 2011 until fourth quarter of 2015. This study uses the analysis model of random effect with the preliminary test of cow test and hausman test, and then analyzed by using coeffecient (R2) determinant, F-statistics and t-statistics. The result of this study show that low level of diversification wiil result in negative influence on ROA. In other words, the lower the level of the diversification of financing produtcs, the lower the profitability of sharia banks will have, and vice versa.