Pengaruh Good Corporate Governance, Return on Assets dan Financing to Deposit Ratio Terhadap Pembiayaan Bermasalah Pada Bank Umum Syariah Di Indonesia (Studi Empiris Pada Bank Umum Syariah Tahun 2014-2018)

MAJID, ABDUL (2020) Pengaruh Good Corporate Governance, Return on Assets dan Financing to Deposit Ratio Terhadap Pembiayaan Bermasalah Pada Bank Umum Syariah Di Indonesia (Studi Empiris Pada Bank Umum Syariah Tahun 2014-2018). S1 thesis, Universitas Mercu Buana.

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Abstract

This study aims to analyze the effect of Good Corporate Governance (GCG), Return on Assets (ROA), and Financing to Deposit Ratio on Financing Problems as measured by Non Performing Financing (NPF). The object of this study is a Sharia Commercial Bank company registered with the Financial Services Authority (OJK) in 2014, 2015, 2016, 2017, 2018. The research sample consisted of 13 companies or 65 observational data selected using documentary study methods. This study uses a statistical analysis model in the form of multiple regression tests using the SPSS 20 application program. The results of this study indicate that 1) Good Corporate Governance (GCG) does not effect and significant on Financing Problems (NPF), 2) Return on Assets (ROA) has a significant negative effect on Financing Problems (NPF), 3) Financing to Deposit Ratio (FDR) has a negative and significant effect on Non Performing Financing (NPF). Keywords : Good Corporate Governance, Return On Assets, Financing To Deposit Ratio, Financing Problems Penelitian ini bertujuan untuk menganalisis pengaruh Good Corporate Governance (GCG), Return on Assets (ROA), dan Financing to Deposit Ratio terhadap Pembiayaan Bermasalah yang diukur dengan Non Performing Financing (NPF). Objek penelitian ini adalah perusahaan Bank Umum Syariah yang terdaftar di Otoritas Jasa Keuangan (OJK) pada tahun 2014, 2015, 2016, 2017, 2018. Sampel penelitian terdiri dari 13 perusahaan atau 65 data pengamatan yang dipilih menggunakan metode Documentary Study. Penelitian ini menggunakan model analisis statistik dalam bentuk uji regresi berganda menggunakan program aplikasi SPSS 20. Hasil penelitian ini menunjukkan bahwa 1) Good Corporate Governance (GCG) tidak berpengaruh dan signifikan terhadap Pembiayaan Bermasalah (NPF), 2) Return on Assets (ROA) berpengaruh negatif signifikan terhadap Pembiayaan Bermasalah (NPF), 3) Financing to Deposit Ratio (FDR) berpengaruh negatif dan signifikan terhadap Pembiayaan Bermalasah (NPF). Kata Kunci : Good Corporate Governance, Return On Assets, Financing To Deposit Ratio, Pembiayaan Bermasalah

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