t Test
Partially testing is done to knowing the existence of relation or influence one of independent variable with dependent variable with assumption that the
other variables are constant. The test result with helps from SPSS 13.0. can be seen on the following table 12.
In testing this hypothesis, the criteria which can be used is a criteria where: Ho is accepted when: -t
12
t
count
-t
12 .
Ho is rejected when: t
count
-t
12
or t
count
t
12
with df = n-k-1 = 7-2-1 = 4 then the obtained t
table
is 2.7764. from table 4.10, can be known that value of t
count
for Customer and Short Term Funding over Total Assets is 2.980 an for equity financing rate Mudharabah- Musyarakah Ratio is -
2.527. since 2.980 2.7764 or t
count
t
12
, so Ho is in the rejection area, it means
that the relation and the influence happened between variable Customer and Short Term Funding over Total Assets with Return in Assets is significant.
Meanwhile, -2.527 -2.77642.527or -t
12
t
count
t
12
, so Ho is in the acceptance
area, it means that the relation and influence happened between variable Equity Financing Rate with Return on Assets is non-significant.
Conclusion and Suggestions Conclusion
From the research that has been done and also explained on the previous chapters, can be concluded as follows:
1. The result of hypothesis test simultaneously between Customer and Short
Term Funding over Total Assets and Equity Financing Rate over profitability Return on Assetsshows that zero hypothesis is accepted.
This shows that there are no significant influence from Customer and Short Term Funding over Total Assets and Equity Financing Rate
simultaneously over Islamic Bank.
2. The result of Hypothesis test partially on Customer and Short Term
Funding over Total Assets CSTFTA over profitability ROA Islamic Bank shows that zero hypothesis is rejected. This means CSTFTA has
significant influence over profitability ROA with positive way. Positive influence means that the increase decrease Customer and Short
Term Funding over Total Assets CSTFTA will be followed with the increase decrease Islamic bank profitability ROA. This happens
because most funds that accepted by Bank Mandiri Syariah are invested in financing form, which has the biggest portion from profitable assets.
3. The result of hypothesis test partially between Equity Financing
mudharabah – Musyarakah Ratio MMF over profitability ROA. This happens because the portion of equity financing mudharabah musyarakah
still low compared with non equity financing which still dominating about 71 of total financing .
Suggestion
For those who interested in doing advanced research, writer would like to give several suggestion, as in follows:
1. Using other profitability ratio such as Return on Equity, Gross Profit
Margin, or Net Profit as independent variable. 2.
Researching other factors that influence Islamic bank profitability, such as financing distribution financing to work capital sector, investment, and
consumptive and equity ratio rate 3.
Doing research on other general Islamic Bank, because every bank has its own policy in order to research its profitability.
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