RAZIF, MUHAMMAD IQBAL (2021) PENGARUH CAPITAL ADEQUACY RATIO (CAR), FINANCING TO DEPOSIT RATIO (FDR), DAN BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) TERHADAP NON PERFORMING FINANCING (NPF) (Studi Empiris pada Bank Umum Syariah yang terdaftar di Otoritas Jasa Keuangan Periode 2014 – 2019). S1 thesis, Universitas Mercu Buana Jakarta.
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Abstract
Banking in Indonesia has a function as a place to collect funds from the public in the form of savings and distribute it again to the public in the form of credit or other forms. In channeling credit banks always face risks, that is if the bank does not get back the loan installments. In Islamic banking, the level of non- performing loans can be indicated by the Non-Performing Financing (NPF) ratio. The purpose of this research was to know the effect of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operational Cost per Operational Revenue [Biaya Operasional Per Pendapatan Operasional (BOPO)] on Non Performing Financing (NPF). This research used 11 samples of Islamic Banking registered with the financial services authority in 2014-2019. The data used in this research was taken from the annual financial reports of Islamic banking. This research used SPSS 20 to test the significance the effect of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operational Cost per Operational Revenue [Biaya Operasional Per Pendapatan Operasional (BOPO)] on Non Perfoming Financing (NPF). The results explained that the Capital Adequacy Ratio (CAR) has significant negative effect, and Operational Cost per Operational Revenue (BOPO) has significant positif effect on Non Perfoming Financing (NPF). While Financing to Deposit Ratio (FDR) has not significant effect on Non Performing Financing (NPF). Keywords: Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and Operational Cost per Operational Revenue [Biaya Operasional Per Pendapatan Operasional (BOPO)]. Perbankan di Indonesia memiliki fungsi sebagai tempat untuk menghimpun dana dari masyarakat dalam bentuk simpanan dan menyalurkannya lagi kepada masyarakat dalam bentuk kredit atau bentuk lainnya. Dalam menyalurkan kredit bank selalu menghadapi risiko, yaitu jika bank tidak mendapatkan kembali angsuran pinjamannya. Pada perbankan syariah, tingkat kredit bermasalah dapat ditunjukan dengan rasio Non Perfoming Financing (NPF). Tujuan penelitian ini untuk mengetahui pengaruh Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), dan Biaya Operasional Pendapatan Operasional (BOPO) terhadap Non Perfoming Financing (NPF). Penelitian ini menggunakan sebanyak 11 sampel bank syariah yang terdaftar di Otoritas Jasa Keuangan (OJK) pada tahun 2014- 2019. Data yang digunakan dalam penelitian ini diambil dari laporan keuangan tahunan perbankan syariah. Penelitian ini menggunakan SPSS 20 untuk menguji signifikansi pengaruh Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), dan Biaya Operasional Pendapatan Operasional (BOPO) terhadap Non Performing Financing (NPF). Hasil penelitian ini menjelaskan bahwa Capital Adequacy Ratio (CAR) berpengaruh negatif signifikan dan Biaya Operasional Pendapatan Operasional (BOPO) berpengaruh positif signifikan terhadap Non Performing Financing (NPF). Sedangkan Finance to Deposit Ratio (FDR) tidak berpengaruh signifikan terhadap Non Performing Financing (NPF). Kata Kunci : Capital Adequacy Ratio (CAR), Finance to Deposit Ratio (FDR), Biaya Operasional Pendapatan Operasional (BOPO), dan Non Performing Financing (NPF).
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