PENGARUH DANA PIHAK KETIGA, NON PERFORMING FINANCING, CAPITAL ADEQUACY RATIO, DAN TINGKAT INFLASI TERHADAP PENYALURAN PEMBIAYAAN BANK UMUM SYARIAH PERIODE 2015-2019

Hasanah, Uswatun (2020) PENGARUH DANA PIHAK KETIGA, NON PERFORMING FINANCING, CAPITAL ADEQUACY RATIO, DAN TINGKAT INFLASI TERHADAP PENYALURAN PEMBIAYAAN BANK UMUM SYARIAH PERIODE 2015-2019. Skripsi thesis, Sekolah Tinggi Ilmu Ekonomi Indonesia Jakarta.

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Abstract

ABSTRAK Penelitian ini bertujuan untuk mengetahui seberapa besar pengaruh dana pihak ketiga, non performing financing, capital adequacy ratio, dan tingkat inflasi terhadap penyaluran pembiayaan bank umum syariah periode 2015-2019. Penelitian ini menggunakan pendekatan asosiatif kuantitatif, diukur menggunakan metode regresi linier data panel dengan aplikasi Eviews 10. Populasi pada penelitian ini menggunakan 14 Bank Umum Syariah (BUS) dengan sampel sebanyak 9 bank umum syariah yang ditentukan dengan menggunakan purposive sampling. Data yang digunakan pada penelitian ini berupa laporan keuangan tahunan (annual report) yang telah dipublikasikan pada website resmi pada masing-masing bank. Hasil pengujian penelitian ini memperoleh bahwa Dana Pihak Ketiga dan Non Performing Financing berpengaruh terhadap penyaluran pembiayaan, karena dana pihak ketiga pada perbankan setiap periode memperoleh nilai yang stabil, dan NPF diketahui dapat menghambat adanya penyaluran pembiaaan perbankan. Sedangkan Capital Adequacy Ratio tidak berpengaruh terhadap penyaluran pembiayaan karena nilai CAR dianggap tidak berperan penting, melainkan nilai NPF yang akan lebih diperhatikan pada penyaluran pembiayaan. Tingkat inflasi juga menghasilkan bahwa tidak adanya pengaruh terhadap penyaluran pembiayaan, karena tingkat inflasi dari tahun ketahun selalu stabil dan hanya membuat inflasi ringan. // ABSTRACT This study aims to determine the influence of third party funds, non performing financing, capital adequacy ratio, and inflation rate to the distribution of financing at sharia commercial bank period 2015-2019. This research uses a quantitative asosiative approach, measured using linear regression method of panel data with Eviews 10. The population in this study uses 14 Islamic Commercial Banks and sample used was 9 Islamic commercial banks which were determined using purposive sampling. The data used in this research are in the form of annual financial reports that have been published on the official websites of each bank. The results of this research indicate that Third Party Funds and Non-Performing Financing have an effect on the distribution of financing, because the third party funds in the banks at each period get a stable value, and NPF is known to be able to impede the distribution of bank financing. Meanwhile, the Capital Adequacy Ratio does not affect the distribution of financing because the CAR value does not play an important role, but the NPF value will be paid more attention to the distribution of financing. Inflation rate also results in that there is no influence on the distribution of financing, because the inflation rate from year to year is always stable and only makes inflation light.

Item Type:	Thesis (Skripsi)
Contributors:	Contribution Contributors NIDN Email Thesis advisor Sunarsih, Uun UNSPECIFIED uun_sunarsih@stei.ac.id
Subjects:	Akuntansi > Akuntansi Syariah
Divisions:	S1 Akuntansi
Depositing User:	Users 1013 not found.
Date Deposited:	09 Oct 2020 02:54
Last Modified:	09 Oct 2020 02:54
URI:	http://repository.stei.ac.id/id/eprint/1090

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