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PENGARUH KINERJA KEUANGAN TERHADAP PEMBIAYAAN BANK UMUM SYARIAH DI INDONESIA (PERIODE 2009-2013)

SHARE Journal of Islamic Economics and Finance

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Title PENGARUH KINERJA KEUANGAN TERHADAP PEMBIAYAAN BANK UMUM SYARIAH DI INDONESIA (PERIODE 2009-2013)
 
Creator Safitri, Irma
Nadirsyah, Nadirsyah
Darwanis, Darwanis
 
Subject —
Financing; third party funds; capital adequacy ratio; non-performing financing; financing to deposit ratio
 
Description The purposes of this research were to determine the effect of the financial performance of Islamic commercial banks in Indonesia on financing, both individually and simultaneously. The performance was measured through Third Party Funds (TPF), Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Financing to Deposit Ratio (FDR). These four independent variables to be tested influence on the dependent variable. This research used census method that includes all of the Islamic banks in Indonesia for observational data. Research data observation period from 2009 until 2013 a total of 11 banks. Multiple linear regression was used to analyze the data.The results of this study found that the Third Party Funds (TPF), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), and Financing to Deposit Ratio (FDR) affect the financing, both individually and simultaneously. Fluctuations in either an increase or decrease of financing that occurred in Islamic banking in Indonesia is determined by the four independent variables. That is to say, the four independent variables that have an important role in the financing of Islamic banking in Indonesia.
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Penelitian ini bertujuan untuk menguji pengaruh kinerja keuangan bank umum syariah di Indonesia terhadap pembiayaan, baik secara parsial maupun simultan. Kinerja keuangan diukur melalui Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), dan Financing to Deposit Ratio (FDR) Keempat variabel bebas tersebut akan diuji pengaruhnya terhadap satu variabel tidak bebas. Penelitian ini adalah penelitian sensus, yakni memasukan semua bank umum syariah yang ada di Indonesia ke dalam data pengamatan. Periode pengamatan data penelitian dari tahun 2009 s.d 2013 yang berjumlah 11 perbankan. Metode analisis yang digunakan adalah regresi linear berganda. Hasil penelitian ini menemukan bahwa Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), dan Financing to Deposit Ratio (FDR) berpengaruh terhadap pembiayaan pada perbankan syariah di Indonesia, baik secara parsial maupun simultan. Fluktuasi baik itu peningkatan atau penurunan pembiayaan yang terjadi pada perbankan syariah di Indonesia ditentukan oleh keempat variabel bebas tersebut. Sehingga dapat dikatakan bahwa, keempat variabel bebas tersebut mempunyai peranan penting atas pembiayaan pada perbankan syariah di Indonesia.
 
Publisher Faculty of Islamic Economics and Business UIN Ar-Raniry
 
Contributor —
 
Date 2016-12-31
 
Type info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
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Format application/pdf
 
Identifier http://jurnal.ar-raniry.ac.id/index.php/Share/article/view/1239
10.22373/share.v5i2.1239
 
Source Share: Jurnal Ekonomi dan Keuangan Islam; Vol 5, No 2 (2016)
2549-0648
2089-6239
 
Language eng
 
Relation http://jurnal.ar-raniry.ac.id/index.php/Share/article/view/1239/924
 
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