PENGARUH PERKEMBANGAN TRANSAKSI DIGITAL DAN DANA PIHAK KETIGA (DPK) TERHADAP PEMBIAYAAN BAGI HASIL PADA BANK ACEH SYARIAH PERIODE 2020-2024
THE INFLUENCE OF DIGITAL TRANSACTIONS AND THIRD PARTY FUNDS (DPK) DEVELOPMENT ON PROFIT-SHARING FINANCING AT BANK ACEH SYARIAH IN THE 2020-2024 PERIOD
Abstract
The purpose of this study is to analyze the effect of digital transaction development and Third-Party Funds (DPK) on profit-sharing financing at Bank Aceh Syariah during the 2020–2024 period. The population of this research includes all financial reports and digital transaction data of Bank Aceh Syariah within the specified period. This study employs a quantitative research approach using secondary data obtained from the annual reports and official publications of Bank Aceh Syariah as well as supporting data from Bank Indonesia. The analytical techniques used include descriptive variable analysis, classical assumption tests, multiple linear regression analysis, F-test (simultaneous test), t-test (partial test), and coefficient of determination (R²) to measure the strength of the relationship between variables. The results indicate that partially, the digital transaction variable (X1) has a positive and significant effect on profit-sharing financing with a significance value of 0.024 < 0.05. Similarly, the Third-Party Funds (DPK) variable (X2) also has a positive and significant effect on profit-sharing financing with a significance value of 0.042 < 0.05. Simultaneously, both variables have a significant effect on profit-sharing financing, with an F-statistic value of 25.185 and Sig. 0.038 < 0.05. The R² value of 0.710 shows that 96% of the variation in profit-sharing financing is explained by digital transactions and DPK, while the remaining 4% is influenced by other factors outside the research model.THE INFLUENCE OF DIGITAL TRANSACTIONS AND THIRD PARTY FUNDS (DPK) DEVELOPMENT ON PROFIT-SHARING FINANCING AT BANK ACEH SYARIAH IN THE 2020-2024 PERIOD
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