PENGARUH TINGKAT KESEHATAN PERBANKAN TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA
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Institusion
Sekolah Tinggi Ilmu Ekonomi Indonesia Jakarta
Author
KURNIATI, EVA
Subject
Akuntansi Syariah
Datestamp
2022-12-05 03:04:16
Abstract :
ABSTRAK Penelitian ini bertujuan untuk menguji Pengaruh Tingkat Kesehatan Perbankan yang diukur dengan Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR) dan Biaya Operasional Pendapatan Operasional (BOPO) Terhadap Profitabilitas (Bank Umum Syariah di Indonesia Periode 2013-2017). Penelitian ini menggunakan strategi asosiatif dengan pendekatan kuantitatif, yang diukur dengan menggunakan metode analisisi regresi linear data panel Common Effect Model dengan program software Econometric Views (Eviews) versi 10. Sampel ditentukan berdasarkan metode purpose sampling, dengan jumlah sampel sebanyak 9 bank umum syariah, sehingga total observasi dalam penelitian ini sebanyak 45 observasi. Data yang digunakan dalam penelitian ini berupa data sekunder yang diperoleh dari Statistik Perbankan Syariah yang diterbitkan oleh Otoritas Jasa Keuangan (OJK) melalui situs resmi www.ojk.co.id dan website pada masing-masing bank. Hasil penelitian ini menunjukan bahwa secara parsial variabel: (1) CAR tidak berpengaruh terhadap profitabilitas, karena bank-bank yang beroperasi yang memiliki modal besar, namun tidak mengunakan modal tersebut secara efektif untuk menghasilkan laba (2) NPF berpengaruh negatif terhadap profitabilitas, karena NPF mengambarkan tingkat kesehatan pembiayaan bank dalam memperoleh keuntungan, (3) FDR tidak berpengaruh terhadap profitabilitas, karena manajemen bank tidak dapat menjaga likuiditas bank dengan baik, (4) BOPO berpengaruh negatif terhadap profitabilitas, karena tingkat efisiensi bank dalam menjalankan operasinya berpengaruh terhadap pendapatan yang dihasilkan oleh bank, (5) Variabel Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR) dan Biaya Operasional Pendapatan Operasional (BOPO) secara simultan berpengaruh terhadap profitabilitas. Kata Kunci : Profitabilitas, Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), dan Biaya Operasional Pendapatan Operasional (BOPO).// ABSTRACT This study aims to examine the effect of banking soundness as measured by Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR) and Operating Income Operating Costs (BOPO) on Profitability (Islamic Commercial Banks in Indonesia Period 2013-2017). This study uses associative strategy with a quantitative approach, which is measured using the linear regression analysis method of the Common Effect Model data panel with the Econometric Views (Eviews) software version 10. The sample is determined based on the purpose sampling method, with a total sample of 9 Islamic banks, so total observations in this study were 45 observations. The data used in this study are secondary data obtained from Sharia Banking Statistics published by the Financial Services Authority (OJK) through the official website www.ojk.co.id and the website of each bank. The results of this study indicate that partially variables: (1) CAR does not affect profitability, because operational banks that have large capital, but do not use capital effectively to generate profits (2) NPF has a negative effect on profitability, because the NPF describes the level of bank financing in obtaining profit, (3) FDR has no effect on profitability, because bank management cannot maintain bank liquidity properly, (4) BOPO has a negative effect on profitability, because the level of bank efficiency in carrying out operations affects income by banks, (5) Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR) and Operating Income Operating Costs (BOPO) variables simultaneously affect profitability. Keywords : Profitability, Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), and Operating Income Operating Costs (BOPO).
ABSTRAK Penelitian ini bertujuan untuk menguji Pengaruh Tingkat Kesehatan Perbankan yang diukur dengan Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR) dan Biaya Operasional Pendapatan Operasional (BOPO) Terhadap Profitabilitas (Bank Umum Syariah di Indonesia Periode 2013-2017). Penelitian ini menggunakan strategi asosiatif dengan pendekatan kuantitatif, yang diukur dengan menggunakan metode analisisi regresi linear data panel Common Effect Model dengan program software Econometric Views (Eviews) versi 10. Sampel ditentukan berdasarkan metode purpose sampling, dengan jumlah sampel sebanyak 9 bank umum syariah, sehingga total observasi dalam penelitian ini sebanyak 45 observasi. Data yang digunakan dalam penelitian ini berupa data sekunder yang diperoleh dari Statistik Perbankan Syariah yang diterbitkan oleh Otoritas Jasa Keuangan (OJK) melalui situs resmi www.ojk.co.id dan website pada masing-masing bank. Hasil penelitian ini menunjukan bahwa secara parsial variabel: (1) CAR tidak berpengaruh terhadap profitabilitas, karena bank-bank yang beroperasi yang memiliki modal besar, namun tidak mengunakan modal tersebut secara efektif untuk menghasilkan laba (2) NPF berpengaruh negatif terhadap profitabilitas, karena NPF mengambarkan tingkat kesehatan pembiayaan bank dalam memperoleh keuntungan, (3) FDR tidak berpengaruh terhadap profitabilitas, karena manajemen bank tidak dapat menjaga likuiditas bank dengan baik, (4) BOPO berpengaruh negatif terhadap profitabilitas, karena tingkat efisiensi bank dalam menjalankan operasinya berpengaruh terhadap pendapatan yang dihasilkan oleh bank, (5) Variabel Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR) dan Biaya Operasional Pendapatan Operasional (BOPO) secara simultan berpengaruh terhadap profitabilitas. Kata Kunci : Profitabilitas, Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), dan Biaya Operasional Pendapatan Operasional (BOPO).// ABSTRACT This study aims to examine the effect of banking soundness as measured by Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR) and Operating Income Operating Costs (BOPO) on Profitability (Islamic Commercial Banks in Indonesia Period 2013-2017). This study uses associative strategy with a quantitative approach, which is measured using the linear regression analysis method of the Common Effect Model data panel with the Econometric Views (Eviews) software version 10. The sample is determined based on the purpose sampling method, with a total sample of 9 Islamic banks, so total observations in this study were 45 observations. The data used in this study are secondary data obtained from Sharia Banking Statistics published by the Financial Services Authority (OJK) through the official website www.ojk.co.id and the website of each bank. The results of this study indicate that partially variables: (1) CAR does not affect profitability, because operational banks that have large capital, but do not use capital effectively to generate profits (2) NPF has a negative effect on profitability, because the NPF describes the level of bank financing in obtaining profit, (3) FDR has no effect on profitability, because bank management cannot maintain bank liquidity properly, (4) BOPO has a negative effect on profitability, because the level of bank efficiency in carrying out operations affects income by banks, (5) Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR) and Operating Income Operating Costs (BOPO) variables simultaneously affect profitability. Keywords : Profitability, Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), and Operating Income Operating Costs (BOPO).
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