PENGARUH PENJUALAN PRODUK INVESTASI TERHADAP PROFITABILITAS PADA BANK SYARIAH MANDIRI CABANG GOWA
Abstract
ABSTRAK
Penelitian ini menguji pengaruh investasi emas dan KPR griya terhadap profitabilitas bank. Investasi emas dan KPR griya diukur dengan data penjualan sementara profitabilitas diukur dengan rasio net profit margin. Sampel dalam penelitian ini merupakan PT. Bank Syariah Mandiri Gowa, Sungguminasa melalui laporan penjualan logam mulia dan KPR Griya BSM serta laporan laba bersih bulanan dari tahun 2015 – 2017.
Metode yang digunakan dalam penelitian ini adalah penelitian kuantitatif. Data yang digunakan merupakan data primer dengan teknik analisis regresi linear berganda. Hasil penelitian menyimpulkan bahwa investasi emas dan KPR griya berpengaruh positif signifikan terhadap profitabilitas bank.
Kata Kunci: Investasi Emas, KPR Griya, Profitabilitas Bank
ABSTRACT
This study examined the effect of gold investment and KRP Griya on bank profitability. Gold investment and KRP griya are measured with sales data, while profitability is measured with net profit margin ratio. Sample in this research is PT. Bank Syariah Mandiri Gowa, Sungguminasa from logam mulia and KRP sales report in 2015-2017 period .
The method used in this research is quantitative. The data used are primary data with regretion analysis techniques. The study concluded that gold investment and KPR griya positively affect in bank profitability.
Key Words: Gold Investment, KPR Griya, and Bank ProfitabilityReferences
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