ANALISIS PENGARUH TRANSAKSI GADAI EMAS TERHADAP TINGKAT KEUNTUNGAN BANK SYARIAH (Studi Kasus Bank Syariah Mandiri, BRI Syariah, dan BNI Syariah) PERIODE 2010-2015
Abstract
The research aims at knowing the effect of gold pawn transactions to the profit rate of Sharia Bank and explaining the annual cost development of Qardh at Indonesian Sharia Bank.
The research is a descriptive qualitative research. The data was collected from the financial statement in 2010-2015. Double linier regression test was performed to answer the objectives of the research.
The result shows that the income earned from sharia pawn transaction has positive effect to the variable net profit as the contribution of independent variable to the dependent variable shown from the R2 (R-squared) value is 14,9%. Considering that the independent variable in this study is not the main product of the bank which influences the net profit, the remaining 85,12% of net profit will be explained by other variables which are not discussed in this research. Qardhcost increases and decreases every year but it is considered stabl