PRIANTI, YULIA (2019) ANALISIS FAKTOR - FAKTOR YANG MEMPENGARUHI POTENSI KEBANGKRUTAN BANK UMUM SYARIAH DI INDONESIA TERHADAP NILAI ALTMAN Z-SCORE. S1 thesis, Universitas Mercu Buana Jakarta.
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Abstract
The study aims to analyze the influence of internal and external factors to probability of bankruptcy in Sharia Bank. The data used in this research is annual report of eleven sharia bank in Indonesia period 2012 until 2017 by using quantitative descriptive approach. Thus, data analysis which is used is statistic analysis in the form of double linear regression test using SPSS program version 22. Dependent variabel used is the score of Altman Z-Score. Independent variabelused is NPF, CAR, FDR and ROA wich classified for internal factor, BI rate classified for external factor. The result of this research shows that either simultaneously or partially, the variable of non performing finance, capital adequacy ratio, financing to deposit ratio, return on asset and BI rate influence the value of Altman Z-Score of the Islamic bank which registered in Indonesian bank. It has been proven from the result of (f) simoultant test and the result of (t) partial shows significant point of six independent variables that supports the hipothesys. Therefore, the accepted assumption is, there is ingluence between non performing finance, capital adequacy ratio, financing to deposit ratio, return on asset and BI rate to the value of Altman Z-Score of Islamic bank which registered in Indonesian bank. Keyword :Altman Z-Score, Non Performing Finance (NPF), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Return on Asset (ROA) and BI rate Penelitian ini bertujuan untuk mengetahui pengaruh faktor-faktor internal dan eksternal terhadap potensi kebangkrutan di Bank Umum Syariah. Data yang digunakan dalam penelitian ini adalah data tahunan laporan keuangan 11 Bank Umum Syariah di Indonesia periode 2012 s.d. 2017 dengan menggunakan pendekatan deskriptif kuantitatif. Karena itu, analisis data yang digunakan adalah analisis statistik dalam bentuk uji regresi linier berganda dengan menggunakan program SPSS versi 22. Variabel dependen dalam penelitian ini adalah nilai Altman Z-Score, sedangkan variabel independen adalah faktor internal yang terdiri dari NPF (Non Performing Finance), CAR (Capital Adequacy Ratio), FDR (Financing to Deposit Ratio), dan ROA (Return on Asset) serta faktor eksternal yaitu BI rate. Hasil penelitian ini menunjukkan bahwa secara parsial dan simultan, variabel Non Performing Finance, Capital Adequacy Ratio, Financing to Deposit Ratio, Return on Asset dan BI Rate berpengaruh terhadap nilai Altman Z-Score, pada bank umum syariah yang terdaftar di bank Indonesia. Hal ini dibuktikan dari hasil uji simultan (uji F) dan hasil uji parsial (uji T) juga menunjukkan nilai signifikan dari 6 variabel bebas yang mendukung hipotesa. Oleh karena itu hasil dari penelitian ini menyatakan bahwa terdapat pengaruh secara simultan antara variabel Non Performing Finance, Capital Adequacy Ratio, Financing to Deposit Ratio, Return on Asset dan BI Rate terhadap nilai Altman Z-Score pada bank umum syariah yang terdaftar di bank Indonesia. Kata kunci : Altman Z-Score, NPF (Non Performing Finance), CAR (Capital Adequacy Ratio), FDR (Financing to Deposit Ratio), ROA (Return on Asset), dan BI rate
| Item Type: | Thesis (S1) |
|---|---|
| Call Number CD: | FE/AK. 19 1178 |
| NIM/NIDN Creators: | 43214120312 |
| Uncontrolled Keywords: | Altman Z-Score, NPF (Non Performing Finance), CAR (Capital Adequacy Ratio), FDR (Financing to Deposit Ratio), ROA (Return on Asset), dan BI rate |
| Subjects: | 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 |
| Divisions: | Fakultas Ekonomi dan Bisnis > Akuntansi |
| Depositing User: | Dede Muksin Lubis |
| Date Deposited: | 31 May 2024 02:46 |
| Last Modified: | 05 Jul 2024 02:25 |
| URI: | http://repository.mercubuana.ac.id/id/eprint/54257 |
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