PENGARUH CAPITAL ADEQUACY RATIO (CAR), BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO), DAN FINANCE TO DEPOSIT RATIO (FDR) TERHADAP NON PERFORMING FINANCING (NPF) (Studi Empiris pada Bank Umum Syariah yang terdaftar di Otoritas Jasa Keuangan Periode 2014 – 2018)

GATARA, WINDI REGNAYUCI (2020) PENGARUH CAPITAL ADEQUACY RATIO (CAR), BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO), DAN FINANCE TO DEPOSIT RATIO (FDR) TERHADAP NON PERFORMING FINANCING (NPF) (Studi Empiris pada Bank Umum Syariah yang terdaftar di Otoritas Jasa Keuangan Periode 2014 – 2018). S1-Sarjana thesis, Universitas Mercu Buana Jakarta.

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Abstract

Sharia banking has a role as an intermediation institution. This role is demonstrated by sharia banking ability to distribute financing and raise funds from customers for customers. In this case, the quality of financing can be clay from the problematic credit level can be demonstrated with the ratio of Non-Performing Financing (NPF) in sharia banks. The lower the NPF ratio, the better the bank's condition, because the low-problematic financing rate. This research aims to determine the influence of Capital Adequacy Ratio (CAR), Operating Income Operations Cost and Financial To Deposi Rasio (FDR) of financing quality at Sharia banks in Indonesia. The population of this study was 11 sharia banks registered in www.ojk.go.id in 2014-2018. Sampling in this study used non probability sampling techniques. Data analysis is performed with statistic descriptive and multiple Linear regression using SPSS version 25 program. The results showed that the level of cultivation of the Operating Income Operations Cost of the financing Kulaitas is not based. Likewise with the research results the Financial To Deposi Rasio (FDR) does not affect the quality of financing. While the research results of Capital Adequacy Ratio (CAR) to the quality of Financing. Keywords : Capital Adequacy Ratio (CAR), Operating Income Operations Cost, Financial To Deposi Rasio (FDR) dan Non Performing Financing (NPF) Perbankan Syariah memiliki peran sebagai lembaga intermediasi. Peran ini ditunjukkan oleh kemampuan perbankan syariah untuk menyalurkan pembiayaan dan menghimpun dana dari nasabah untuk nasabah. Dalam hal ini, Kualitas Pembiayaan dapat di liat dari tingkat kredit bermasalah dapat ditunjukkan dengan rasio Non Performing Financing (NPF) di bank syariah. Semakin rendah rasio NPF, semakin baik kondisi bank, karena tingkat pembiayaan bermasalah rendah. Penelitian ini bertujuan untuk mengetahui pengaruh Capital Adequacy Ratio (CAR), Biaya Operasional Pendapatan Operasional (BOPO) dan Financial To Deposi Rasio (FDR) terhadap Kualitas pembiayaan pada bank Umum Syariah di Indonesia. Populasi dari penelitian ini sebanyak 11 Bank Syariah yang terdaftar di www.ojk.go.id tahun 2014-2018.Pengambilan sampel dalam penelitian ini menggunakan teknik non probability sampling. Analisis data dilakukan dengan statistic deskriptif dan Regresi Linear Berganda menggunakan program SPSS Versi 25. Hasil penelitian menunjukan bahwa Biaya Operasional Pendapatan Operasional (BOPO) terhadap Kualitas Pembiayaan tidak berpegaruh. Begitu pula dengan hasil penelitian Finance to Deposit Ratio (FDR) tidak berpengaruh terhadap kualitas pembiayaan. Sedangkan hasil penelitian Capital Adequacy Ratio (CAR) Terhadap kualitas pembiayaan. Kata kunci : Capital Adequacy Ratio (CAR), Biaya Operasional Pendapatan Operasional (BOPO), Financial To Deposi Rasio (FDR) dan Non Performing Financing (NPF)

Item Type: Thesis (S1-Sarjana)
NIM: 43216010212
Uncontrolled Keywords: Capital Adequacy Ratio (CAR), Biaya Operasional Pendapatan Operasional (BOPO), Financial To Deposi Rasio (FDR) dan Non Performing Financing (NPF)
Subjects: 000 Computer Science, Information and General Works/Ilmu Komputer, Informasi, dan Karya Umum > 020 Library and Information Sciences/Perpustakaan dan Ilmu Informasi > 025 Operations, Archives, Information Centers/Operasional Perpustakaan, Arsip dan Pusat Informasi, Pelayanan dan Pengelolaan Perpustakaan > 025.1 Administration and Library Management/Administrasi dan Manajemen Perpustakaan > 025.11 Finance/Keuangan
600 Technology/Teknologi > 650 Management, Public Relations, Business and Auxiliary Service/Manajemen, Hubungan Masyarakat, Bisnis dan Ilmu yang Berkaitan > 657 Accounting/Akuntansi
600 Technology/Teknologi > 650 Management, Public Relations, Business and Auxiliary Service/Manajemen, Hubungan Masyarakat, Bisnis dan Ilmu yang Berkaitan > 657 Accounting/Akuntansi > 657.3 Financial Reporting (Financial Statements)/Laporan Keuangan
600 Technology/Teknologi > 650 Management, Public Relations, Business and Auxiliary Service/Manajemen, Hubungan Masyarakat, Bisnis dan Ilmu yang Berkaitan > 657 Accounting/Akuntansi > 657.3 Financial Reporting (Financial Statements)/Laporan Keuangan > 657.32 Preparing Financial Statements/Menyiapkan Laporan Keuangan
600 Technology/Teknologi > 650 Management, Public Relations, Business and Auxiliary Service/Manajemen, Hubungan Masyarakat, Bisnis dan Ilmu yang Berkaitan > 657 Accounting/Akuntansi > 657.4 Specific Fields of Accounting/Bidang Akuntansi Tertentu
700 Arts/Seni, Seni Rupa, Kesenian > 720 Architecture/Arsitektur > 725 Public Structures Architecture/Arsitektur Struktur Umum > 725.2 Commercial and Communication Buildings/Arsitektur Gedung Perdagangan dan Komunikasi > 725.24 Financial Institutions/Lembaga Keuangan
Divisions: Fakultas Ekonomi dan Bisnis > Akuntansi
Depositing User: Dede Muksin Lubis
Date Deposited: 06 Feb 2021 03:21
Last Modified: 06 Feb 2021 03:21
URI: http://repository.mercubuana.ac.id/id/eprint/59615

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