dc.description.abstract | The purpose of this study was to determine the difference in profitability of PT.
Pegadaian (Persero) Syariah before and after the existence of the Arrum financing product in
2004-2018, this research is a type of quantitative comparative research, in which there is a
descriptive statistical research approach method, whose function is to find out the differences
and analyze the profitability of PT. Pegadaian (Persero) Syariah before and after the existence
of the 2004-2018 Arrum financing product.The results of data analysis on the ROA variable,
by comparing the financial performance of PT Pegadaian (Persero) Syariah before and after
the Arrum financing product, obtained a t value of -1.597 with a significance of 0.189.
Because the significance value is greater than 0.05 (0.189>0.05), then H0 is accepted and Ha
is rejected. For the ROE variable, the t value is -4.634 with a significance of 0.019. Because
the significance value is less than 0.05 (0.019 < 0.05) then H0 is rejected and Ha is accepted.
For the NPM variable, the t value is -5.319 with a significance of 0.008. Because the
significance value is less than 0.05 (0.006 <0.05), then H0 is rejected and Ha is accepted. | en_US |