ANALISIS PROFITABILITAS PT PEGADAIAN (PERSERO) SYARIAH SEBELUM DAN SESUDAH ADANYA PRODUK PEMBIAYAAN ARRUM TAHUN 2004-2018

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.