PENGARUH CAR, FDR, NPF, DAN BOPO TERHADAP PROFITABILITAS BANK UMUM SYARIAH (Studi Empiris Pada Bank Umum Syariah yang Terdaftar di BI Periode 2013-2016)

ADIB, MOH (2018) PENGARUH CAR, FDR, NPF, DAN BOPO TERHADAP PROFITABILITAS BANK UMUM SYARIAH (Studi Empiris Pada Bank Umum Syariah yang Terdaftar di BI Periode 2013-2016). S1 thesis, Universitas Mercu Buana Jakarta.

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Abstract

This study aims to analyze Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), and Operational Cost to Operating Income (BOPO), to Profitability of Syariah Banking in Indonesia (ROA). The object of this research is the Sharia Commercial Banks in Indonesia registered in Bank Indonesia for the period of 2013-2016. The method used in this research is to use multiple regression analysis with hypothesis test that is coefficient of determination test, t test and F test. Before using multiple regression analysis, classical assumption test is done first. From the results of hypothesis testing simultaneously (F test) showed that the independent variable significantly influenced simultaneously to the dependent variable with significant 0.000 which means smaller than 0.05. While based on partial hypothesis test result (t test) in syariah commercial bank shows that variable of CAR, FDR, and NPF have no significant effect to profitability of sharia bank because it has probability equal to 0.062, 0.069 and 0.701 which means above α of 0.05. While the variable BOPO significant effect on the profitability of sharia banks because it has probabilias of 0.007 which means is under α of 0.05. The adjusted value of R2 in this regression model is obtained by 0.618. It shows that the effect of independent variable is CAR, FDR, NPF, and BOPO on dependent variable (ROA) of 61.8% while the rest of 38.2% is influenced by other factors. Keywords: ROA, CAR, FDR, NPF, BOPO Penelitian ini bertujuan untuk menganalisis Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), dan Biaya Operasional terhadap Pendapatan Operasional (BOPO), terhadap Profitabilitas Perbankan Syariah di Indonesia (ROA). Obyek dalam penelitian ini adalah Bank-bank Umum Syariah di Indonesia yang telah terdaftar di Bank Indonesia periode tahun 2013-2016. Metode yang digunakan dalam penelitian ini adalah dengan menggunakan analisis regresi berganda dengan uji hipotesis yaitu uji koefisien determinasi, uji t dan uji F. Sebelum menggunakan analisis regresi berganda, dilakukan uji asumsi klasik terlebih dahulu. Dari hasil uji hipotesis secara simultan (uji F) menunjukkan bahwa variabel independen berpengaruh signifikan secara simultan terhadap variabel dependen dengan signifikan sebesar 0,000 yang berarti lebih kecil dari 0,05. Sedangkan berdasarkan hasil uji hipotesis secara parsial (uji t) pada bank umum syariah menunjukkan bahwa variabel CAR, FDR, dan NPF tidak berpengaruh signifikan terhadap profitabilitas bank syariah karena memiliki probabilitas sebesar 0.062, 0.069 dan 0.701 yang berarti berada di atas α sebesar 0.05. Sedangkan variabel BOPO berpengaruh signifikan terhadap profitabilitas bank syariah karena memiliki probabilias sebesar 0.007 yang berarti berada di bawah α sebesar 0.05. Nilai adjusted R2 dalam model regresi ini diperoleh sebesar 0,618 Hal ini menunjukkan bahwa besar pengaruh variabel independent yaitu CAR, FDR, NPF, dan BOPO terhadap variabel dependent (ROA) sebesar 61,8% sedangkan sisanya sebesar 38,2% dipengaruhi oleh faktor lain. Kata Kunci : ROA, CAR, FDR, NPF, BOPO

Item Type: Thesis (S1)
Call Number CD: FE/AK. 18 228
Call Number: SE/32/18/385
NIM: 43216110193
Uncontrolled Keywords: ROA, CAR, FDR, NPF, BOPO
Subjects: 200 Religion/Agama > 290 Other Religions/Agama Selain Kristen > 297 Agama Islam/Islam > 297.4 Islamic law/Hukum Islam > 297.43 Muamalat/Muamalat > 297.433 Lease, Borrow-borrow, Labor, Bank, Usury, Insurance/Sewa-menyewa; Pinjam-meminjam; Perburuhan; Bank; Riba; Asuransi
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 332 Financial Economics, Finance/Ekonomi Keuangan dan Finansial, Ekonomi Biaya dan Pembiayaan
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 332 Financial Economics, Finance/Ekonomi Keuangan dan Finansial, Ekonomi Biaya dan Pembiayaan > 332.1 Banks/Bank, Perbankan
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 332 Financial Economics, Finance/Ekonomi Keuangan dan Finansial, Ekonomi Biaya dan Pembiayaan > 332.2 Specialized Banking Institutions/Institusi Perbankan Khusus
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 332 Financial Economics, Finance/Ekonomi Keuangan dan Finansial, Ekonomi Biaya dan Pembiayaan > 332.8 Interest and Discount/Bunga Bank dan Diskon
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 334 Cooperative/Koperasi, Sistem Perkoperasian > 334.2 Banking and Credit Cooperatives/Koperasi Perbankan dan Kredit
Divisions: Fakultas Ekonomi dan Bisnis > Akuntansi
Depositing User: Dede Muksin Lubis
Date Deposited: 26 Sep 2018 06:43
Last Modified: 28 Sep 2018 02:53
URI: http://repository.mercubuana.ac.id/id/eprint/44719

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