PENGARUH DANA PIHAK KETIGA (DPK) DAN PEMBIAYAAN TERHADAP PERTUMBUHAN ASET PADA BANK MUAMALAT INDONESIA PERIODE 2020-2025

Sela Soviana Rafa; Bambang Kurniawan; Nurrahma Sari Putri

doi:10.59003/nhj.v6i2.2250

Authors

Sela Soviana Rafa Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi
Bambang Kurniawan Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi
Nurrahma Sari Putri Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi

DOI:

https://doi.org/10.59003/nhj.v6i2.2250

Keywords:

Third-Party Funds (TPF), Financing, Asset Growth, Bank Muamalat Indonesia

Abstract

This study aims to analyze the effect of Third-Party Funds (TPF) and financing on asset growth at Bank Muamalat Indonesia during the period 2020–2025. This study is motivated by fluctuations in Third-Party Funds (TPF), financing, and asset growth, which indicate dynamic changes in the financial performance of Bank Muamalat Indonesia. The data used are quarterly secondary data obtained from the financial statements of Bank Muamalat Indonesia for the period 2020–2025. The research method employed is a quantitative approach using multiple linear regression analysis with EViews 12 software. The results show that, partially, Third-Party Funds (TPF) have a positive and significant effect on the asset growth of Bank Muamalat Indonesia, with a probability value of 0.0000 (< 0.05). Meanwhile, financing has a negative and significant effect on asset growth, with a probability value of 0.0000 (< 0.05). Simultaneously, Third-Party Funds (TPF) and financing have a significant effect on asset growth, as indicated by the Prob(F-statistic) value of 0.000000 (< 0.05). The Adjusted R-Squared value of 0.755579 indicates that Third-Party Funds (TPF) and financing variables are able to explain 75.56% of the variation in asset growth, while the remaining 24.44% is explained by other variables outside the research model.

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