PENGARUH FDR, CAR DAN BOPO TERHADAP NON PERFORMING FINANCING PADA BANK UMUM SYARIAH DI INDONESIA
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Institusion

Sekolah Tinggi Ilmu Ekonomi Indonesia Jakarta

Author

Haruka Tiardi, Alya

Subject

Akuntansi Syariah 

Datestamp

2021-11-09 02:25:33 

Abstract :
ABSTRAK Penelitian ini bertujuan untuk mengetahui apakah pengaruh Financing to Deposit (FDR), Capital Adequacy Ratio (CAR) dan Biaya Opersional Pendapatan Operasional (BOPO) terhadap Non Performing Financing (NPF) pada Bank Umum Syariah di Indonesia. Penelitian ini menggunakan metode pendekatan kuantitatif, yang diukur dengan metode regresi data panel dengan Eviews 10. Populasi dari penelitian ini adalah Bank Umum Syariah di Indonesia sebanyak 14 BUS. Sample ditentukan berdasarkan metode purpose sampling, dengan jumlah sampel sebagai 11 BUS sehingga total observasi dalam penelitian ini sebanyak 55 observasi. Data yang digunakan dalam penelitian ini berupa data sekunder. Teknik pengumpulan data menggunakan metoda dokumentasi melalui website masing-masing bank. Pengujian hipotesis dengan menggunakan uji t. Hasil penelitian membuktikan bahwa (1) Financing to Deposit Ratio (FDR) tidak signifikan berpengaruh negatif terhadap Non Performing Financing (NPF) pada Bank Umum Syariah di Indonesia, (2) Capital Adequacy Ratio (CAR) tidak signifikan berpengaruh positif terhadap Non Performing Financing (NPF) pada Bank Umum Syariah di Indonesia, (3) Biaya Operasional Pendapatan Operasional (BOPO) signifikan berpengaruh positif terhadap Non Performing Financing (NPF) pada Bank Umum Syariah di Indonesia. Kata Kunci : Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), Biaya Operasional Pendapatan Operasional (BOPO) dan Non Performing Financing (NPF). ABSTRACT This study aims to determine whether the influence of Financing to Deposit (FDR), Capital Adequacy Ratio (CAR) and Operational Income Operating Costs (BOPO) on Non-Performing Financing (NPF) on Islamic Commercial Banks in Indonesia. This research uses a quantitative approach, which is measured by the panel data regression method with Eviews 10. The population of this study is Sharia Commercial Banks in Indonesia totaling 14 BUS. The sample is determined based on the purpose sampling method, with the number of samples as 11 BUS so that the total observations in this study are 55 observations. The data used in this study are secondary data. Data collection techniques using the method of documentation through the website of each bank. Hypothesis testing using t test. The results of the study prove that (1) Financing to Deposit Ratio (FDR) does not have a significant negative effect on Non-Performing Financing (NPF) in Islamic Commercial Banks in Indonesia, (2) Capital Adequacy Ratio (CAR) does not significantly have a positive effect on Non-Performing Financing ( NPF) at Sharia Commercial Banks in Indonesia, (3) Operational Costs Operating Income (BOPO) has a significant positive effect on Non-Performing Financing (NPF) at Islamic Commercial Banks in Indonesia. Keywords: Financing to Deposit Ratio (FDR), Capital Adequacy Ratio(CAR), Operational Costs to Operating Income (BOPO) and Non Performing Financing (NPF). 

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