ABSTRACT: Based on the data
collected from the result of the study, it shown that the influence of third
party deposit on the operational profit in PT. Bank Jabar Syariah Branch
Bandung, according to Product Moment the correlation coefficien yielded is 0,93
and the critical point tabel T for N=5 is 2,353, then the hypothesis testing
drawn out is 4,382 > its 2,353 which means that between third party deposit
and operational profit has significant correlation. Furthemore the determination
coefficient yielded is 86% to the operational profit. This shows that third
party deposit have correlation up 86% to the operational profit. The rest 14%
is the other variables apart from the activity of third party deposit which
influencing the operational profit in PT. Bank Jabar Syariah Branch Bandung.
The stumbling blocks that the PT Bank Jabar Syariah Branch Bandung in
management of third party deposit to acquirement operational profit that is
existence of emulation from competitor bank either from interest rate facet,
marketing, product diversivication and also service. Condition of less stable
economic sector, happened of management miss between mustered fund and
channelled fund.The recommendation the Researcher can give are the company
should more accurate do deposit management for time deposit and the company
should do cooperate with another Bank, not only for ATM served but also company
should do cooperate in technology to be individual wealth banking to served
otherwise as like SMS-Banking, Internet-Banking, etc. so that income not only
for the greater part spread based income but also from fee based income.
Keywords: Fund, Bank
Management, profit
Penulis: Teddy Hikmat Fauzi
Kode Jurnal: jpmanajemendd110043
Atau download gratis di bawah ini:
Artikel Terkait :
