Mulyasari, Apri (2019) PENGARUH TINGKAT RISIKO PEMBIAYAAN MUDHARABAHDAN BOPO TERHADAP ROA Pada Bank Umum Syariah Perode 2011-2018. Skripsi thesis, Sekolah Tinggi Ilmu Ekonomi Indonesia (STEI) Jakarta.
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Abstract
ABSTRAK Return On Asset(ROA) sangat penting bagi bank dikarenakan Return On Asset (ROA) digunakan untuk mengukur efektivitas perusahaan dalam menghasilkan keuntungan dengan memanfaatkan aktiva yang dimiliki perusahaan tersebut.Penelitian ini dilakukan untuk mengetahui pengaruh tingkat Risiko Pembiayaan Mudharabah dan Beban Operasional Pendapatan Operasional (BOPO)terhadap Return On Asset (ROA) pada bank syariah di Indonesia tahun 2011-2018. Penelitian ini menggunakan jenis penelitian deskriptif pendekatan kuantitatif, yang diukur dengan menggunakan metoda regresi dengan Eviews 9.0. Objek penelitian ini adalah Bank Umum Syariah di Indonesia dengan jumlah populasi 14 Bank, pemilihan sampel dilakukan dengan menggunakan teknik Purposive Sampling dan diperoleh sampel 6 Bank. Periode penelitian selama 8 tahun sehingga total observasi sebanyak 48 dan data yang digunakan berupa data sekunder. Hasil penelitian ini menunjukkan bahwa Tingkat Risiko Pembiayaan Mudharabah dan Biaya Operasional Pendapatan Operasional (BOPO) berpengaruh negatif signifikan terhadap ROA pada Bank Umum Syariah di Indonesia periode 2011-2018. Kata Kunci : Return On Asset (ROA), Tingkat Risiko Pembiayaan Mudharabah, Biaya Operasional Pendapatan Oprasional (BOPO) ABSTRACT Return On Assets (ROA) is very important for banks because Return On Assets (ROA) is used to measure the effectiveness of the company in generating profits by utilizing the assets of the company. This research was conducted to determine the effect of the risk level of Mudharabah and operational costs for operational income (BOPO) Financing on Retirn On Assets (ROA) in Islamic Bank in Indonesia in 2011-2018. This research uses descriptive quantitative approach, which is measured by using the method of regression with Eviews to 9.0. The object of this study is Islamic Banks in Indonesia with a population of 14 banks, sample selection is done using purposive sampling techniques and obtained a sample of 6 banks. The research period was 8 years so that the total observations was 48 and the data used were secondary data. The result of this study indicate that the level of financing risk mudharabah and operational costs for operational income (BOPO) have a significant negative effect on Return On Assets (ROA) in Islamic commercial banks in indonesia for the period 2011-2018. Keywords: Return On Assets (ROA), The Level Of Mudharabah Financing Risk,Operational Costs For Operational Income (BOPO)
| Item Type: | Thesis (Skripsi) | ||||||||
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| Subjects: | Akuntansi > Akuntansi Syariah | ||||||||
| Divisions: | S1 Akuntansi | ||||||||
| Depositing User: | Ridho Adi Nugroho | ||||||||
| Date Deposited: | 14 Oct 2021 06:58 | ||||||||
| Last Modified: | 14 Oct 2021 06:58 | ||||||||
| URI: | http://repository.stei.ac.id/id/eprint/5549 |
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