PENGARUH KINERJA KEUANGAN DAN KINERJA SYARIAH TERHADAP KEPERCAYAAN MASYARAKAT PADA BANK SYARIAH DI INDONESIA

This research aims to analyze the influence of financial performance and Shariah performance on public trust in Islamic Banks in Indonesia. Public trust is measured using the ratio of third party funds to total assets, financial performance is measured using the CAMELS model, while Shariah performance is measured using variables from the Maqashid Syariah framework, namely first, education consisting of, education grant, research, training, and publicity, second, justice consisting of fair return and interest free products, and third, public interest consisting of personal income and investment ratio in real sector. The research was conducted on 14 Sharia Commercial Banks (BUS) in Indonesia. The data used is skunder data taken from the financial statements of each bank for the period 2015-2019. The data is analyzed using multiple ragresi analysis techniques. The results showed that financial performance consisting of capital adequacy and liquidity negatively affected public trust, profitability had a positive effect on public trust, while assets quality did not have a significant influence on public trust. Sharia performance in terms of education consisting of education grants, research, and training has no significant effect on public trust, while publicity has a positive effect on public trust. In terms of fairness consisting of fair return and interest free products have no significant effect on public trust. In terms of benefits consisting of personal income negatively affects public trust, while investment ratio in real sector has a positive effect on public trust. This research is expected to provide education to the public in general and become an additional reference for practitioners, academics, and researchers in the field of Islamic banking.