PENYALURAN DANA PEMBIAYAAN BAGI HASIL (MUDHARABAH, MUSYARAKAH) TERHADAP KINERJA KEUANGAN PADA BANK RIAU-KEPRI CABANG SYARIAH PEKANBARU

Abstract

This research is researched in Riau-Kepri Syariah Pekanbaru bank. The purpose of this research to see the distributing fund influence of pembiayaan bagi hasil to the finance performance even in normality test or parcial test. The research method that is used in this research is documentation method and observation method, these method collecting data with see and learn finance bank report documents that consist of neraca and loss- profit report. The data that is got in secunder form that is complete or finished. The data analysis that writter used is descriptive quantitative. Quantitative analysis is done by using analysis regration linear to the data in numbers form that is tabulated in tables, then researched in descriptive method. The result of statistic research with using analysis linear regration that is processed by using SPSS computer program, from the calculating coofisien determination (R 2 ) got result 0,153 (15,3%). That means Pembiayaan bagi hasil explain LDR 15,3% and other 84,3 % is explained by another variable. Got result 0,393 (39.3%), that means Pembiayaan bagi hasil explain ALR 39,3% and other 60,7 % is explained by another variable. Got result 0,779 (77,9%), that means Pembiayaan bagi hasil explain RRL 77,9% and other 22,1 % is explained by another variable. Got result 0,724 (72,4%), that means Pembiayaan bagi hasil explain ROA 72,4% and other 27,6 % is explained by another variable. Got result 0,170 (17%), that means Pembiayaan bagi hasil explain NPM 17% and other 83 % is explained by another variable. Got result 0.988 (98,8%), that means Pembiayaan bagi hasil explain business expansion 98,8% and other 1,2 % is explained by another variable. Based on Kolmogorov Smirnov normality test all variables in this research are distributed by normal. Based on calculating test-t all of independent variables (Pembiayaan Bagi Hasil) in parcial influential significant to the dependent variable (ROA) is t hitung > ttabel (2,292 > 1,885). But, for the another dependent variables there is no influent significant in parcial.