| dc.description.abstract | The Bank is a major driver of economic sectors in Indonesia, therefore the bank intemediasi function is always a highlight in determining the performance of a bank. Law No. 10 year 1998 is the forerunner to the development boom of Islamic banking in Indonesia. Bank X is a subsidiary of Conventional Banks. In 2009 the Bank X in the largest market share of Islamic banking industry. With the increasing development of Islamic bank, Bank of X demanded to be able to maintain its superiority. Bank X KCP is one of the Bank X branch offices located in Bogor. As KCP, Bank X KCP also has a role in maintaining the excellence of the Bank of X, such that intermediary functioning well, that is to collect funds and channel these funds through financing. Financing can be channeled properly if the funding process can run smoothly. Because it directly affects the income of the bank, and one of the indicators to determine whether or not the intermediary function of banks can be seen from the FDR value of a bank. The purpose of this study were (1) analyze the development of DPK, financing, FDR, and profits of Bank X KCP, (2) analyze the composition of financing in the Bank X KCP, and (3) analyze the effect of DPK, financing and FDR on profits of Bank X KCP. Data used in this study are primary and secondary. Data obtained from interviews with bank management and financial statements of Bank X KCP during the year 2007 until the year 2009, data published by the BI, theses, and books related to the research. The analytical method used in this study is multiple regression analysis, principal components analysis, F test and t test. The results showed that: (1) DPK, financing, and profits have increased every year, while FDR decreased. FDR values in the year 2007 is 223.67 persen and in the years 2009 to 111.37 persen. FDR above 100 persen indicates that based on the regulations of Bank Indonesia, Bank X KCP liquidity conditions into the unhealthy category. (2) During the years 2007 to 2009, the majority of funding is channeled to the profit sharing contribution equal 89,0,7 persen, while the sale and purchase of only 9.32 persen, and the rest is financing leases is 1.61 persen. (3) The F test and t test showed that the overall and partial DPK, financing, and FDR significantly affect earnings with p-value of 0.001 with a significance level of 5 persen. And on the regression results, providing financing variables most significantly influence the amount of 1.25287 with a positive effect on profits. Real and positive influence was also demonstrated by the variable coefficient 0.535 DPK. While FDR variables negatively impact earnings with the coefficient of 0.780. | en |
