PENGARUH FINANCING TO DEPOSIT RATIO (FDR),
DEBT TO EQUITY RATIO (DER), CAPITAL
ADEQUACY RATIO (CAR) DAN DANA PIHAK
KETIGA (DPK) TERHADAP PEMBIAYAAN
MURABAHAH PADA BANK UMUM SYARIAH
(Bank Umum Syariah di Indonesia 2013-2017)
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Institusion
Sekolah Tinggi Ilmu Ekonomi Indonesia Jakarta
Author
SAFITRI, ASRI AULIA
Subject
Akuntansi Keuangan
Datestamp
2022-05-25 03:53:23
Abstract :
Penelitian ini bertujuan untuk mengetahui pengaruh Financing to Deposit Ratio (FDR), Debt to Equity Ratio (DER), Capital Adequacy Ratio (CAR) dan Dana Pihak Ketiga (DPK) Terhadap Pembiayaan Murabahah pada Bank Umum Syariah di Indonesia tahun 2013-2017. Penelitian ini menggunakan jenis penelitian deskriptif pendekatan kuantitatif, yang diukur menggunakan software Eviews 9.0 dengan menggunakan data panel. Populasi dari penelitian ini adalah perusahaan perbankan Bank Umum Syariah (BUS) di Indonesia yang terdaftar di Otoritas Jasa Keuangan (OJK) periode 2013 sampai dengan tahun 2017. Sempel penelitian sebanyak 8 perusahaan perbankan sehingga total observasi dalam penelitian ini sebanyak 40 observasi. Data yang digunakan dalam penelitian ini berupa data sekunder. Hasil penelitian secara parsial menunjukkan bahwa Financing to Deposit Ratio (FDR) dan Dana Pihak Ketiga (DPK) berpengaruh positif terhadap Pembiayaan Murabahah. Debt to Equity Ratio (DER) dan Capital Adequacy Ratio (CAR) tidak berpengaruh terhadap Pembiayaan Murabahah. Sementara itu hasil penelitian secara simultan menunjukan bahwa FDR, DER, CAR dan DPK berpengaruh terhadap Pembiayaan Murabahah. Kata Kunci : Pembiayaan Murabahah, FDR, DER, CAR dan DPK This study aims to determine the effect of Financing to Deposit Ratio (FDR), Debt to Equity Ratio (DER), Capital Adequacy Ratio (CAR) and Third Party Fund (DPK) to Murabahah Financing at Sharia Commercial Bank in Indonesia 2013- 2017. This research uses descriptive research type of quantitative approach, as measured using Eviews 9.0 software using panel data. The population of this research is banking company of Syariah Bank (BUS) in Indonesia which registered in Financial Services Authority (OJK) period 2013 until 2017. Sempel research as many as 8 banking company so that total observation in this research counted 40 observation. The data used in this research is secondary data. Partial research results show that Financing to Deposit Ratio (FDR) and Third Party Fund (DPK) have a positive effect on Murabahah Financing. Debt to Equity Ratio (DER) and Capital Adequacy Ratio (CAR) have no effect on Murabahah Financing. Meanwhile, the results of simultaneous research showed that FDR, DER, CAR and DPK had an effect on Murabaha Financing. Keywords : Murabaha Financing, FDR, DER, CAR and DPK
Penelitian ini bertujuan untuk mengetahui pengaruh Financing to Deposit Ratio (FDR), Debt to Equity Ratio (DER), Capital Adequacy Ratio (CAR) dan Dana Pihak Ketiga (DPK) Terhadap Pembiayaan Murabahah pada Bank Umum Syariah di Indonesia tahun 2013-2017. Penelitian ini menggunakan jenis penelitian deskriptif pendekatan kuantitatif, yang diukur menggunakan software Eviews 9.0 dengan menggunakan data panel. Populasi dari penelitian ini adalah perusahaan perbankan Bank Umum Syariah (BUS) di Indonesia yang terdaftar di Otoritas Jasa Keuangan (OJK) periode 2013 sampai dengan tahun 2017. Sempel penelitian sebanyak 8 perusahaan perbankan sehingga total observasi dalam penelitian ini sebanyak 40 observasi. Data yang digunakan dalam penelitian ini berupa data sekunder. Hasil penelitian secara parsial menunjukkan bahwa Financing to Deposit Ratio (FDR) dan Dana Pihak Ketiga (DPK) berpengaruh positif terhadap Pembiayaan Murabahah. Debt to Equity Ratio (DER) dan Capital Adequacy Ratio (CAR) tidak berpengaruh terhadap Pembiayaan Murabahah. Sementara itu hasil penelitian secara simultan menunjukan bahwa FDR, DER, CAR dan DPK berpengaruh terhadap Pembiayaan Murabahah. Kata Kunci : Pembiayaan Murabahah, FDR, DER, CAR dan DPK This study aims to determine the effect of Financing to Deposit Ratio (FDR), Debt to Equity Ratio (DER), Capital Adequacy Ratio (CAR) and Third Party Fund (DPK) to Murabahah Financing at Sharia Commercial Bank in Indonesia 2013- 2017. This research uses descriptive research type of quantitative approach, as measured using Eviews 9.0 software using panel data. The population of this research is banking company of Syariah Bank (BUS) in Indonesia which registered in Financial Services Authority (OJK) period 2013 until 2017. Sempel research as many as 8 banking company so that total observation in this research counted 40 observation. The data used in this research is secondary data. Partial research results show that Financing to Deposit Ratio (FDR) and Third Party Fund (DPK) have a positive effect on Murabahah Financing. Debt to Equity Ratio (DER) and Capital Adequacy Ratio (CAR) have no effect on Murabahah Financing. Meanwhile, the results of simultaneous research showed that FDR, DER, CAR and DPK had an effect on Murabaha Financing. Keywords : Murabaha Financing, FDR, DER, CAR and DPK
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