PENGARUH KINERJA KEUANGAN TERHADAP TINGKAT BAGI HASIL SIMPANAN MUDHARABAH PADA BANK BNI SYARIAH PERIODE 2012-2016

HERMANSYAH, RONI (2018) PENGARUH KINERJA KEUANGAN TERHADAP TINGKAT BAGI HASIL SIMPANAN MUDHARABAH PADA BANK BNI SYARIAH PERIODE 2012-2016. Skripsi thesis, Sekolah Tinggi Ilmu Ekonomi Indonesia (STEI) Jakarta.

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Abstract

Penelitian ini bertujuan untuk mengetahui: (1) Pengaruh Return On Asset (ROA) terhadap tingkat bagi hasil simpanan mudharabah pada Bank BNI Syariah tahun 2012-2016. (2) Pengaruh Capital Adequacy Ratio (CAR) terhadap tingkat bagi hasil deposito mudharabah pada Bank BNI Syariah tahun 2012-2016. (3) Pengaruh Biaya Operasional dan Pendapatan Operasional (BOPO) terhadap tingkat bagi hasil deposito mudharabah pada Bank BNI Syariah tahun 2012-2016. Teknik pengumpulan data menggunakan data sekunder (time series) dengan periode triwulan I tahun 2012 sampai triwulan IV tahun 2016. Teknis analisis data yang digunakan uji t parsial dengan bantuan software SPSS 24 selain itu penulis juga menggunakan Microsoft Exel 2013 sebagi alat bantu untuk pengolahan data . Hasil penelitian menunjukan bahwa variabel ROA berpengaruh positif signifikan terhadap tingkat bagi hasil simpanan mudharabah. Sedangkan variabel CAR tidak berpengaruh secara signifikan terhadap tingkat bagi hasil simpanan mudharabah. Kemudian variabel BOPO tidak berpengaruh secara signifikan terhadap tingkat bagi hasil simpanan mudharabah. Kata Kunci : Return on Asset (ROA). Capital Adequacy Ratio (CAR), Biaya Operasional dan Pendapatan Operasional (BOPO) To understand the impact of syariah banking performance with the general syariah banking profitability that will be used as a reference or growth level, a syariah bank must maintain the health level that suitable with capital adequacy and other aspects that related. The bank financial level shows its progress. The purpose of this research is collecting data and analyze the Capital Adequeacy Ration (CAR), comparison between Non Performing Financing (NPF) and Profitability (ROA) using Financing to Deposit Ratio (FDR). The test sample in this analysis is General Syariah Bank in Indonesia using work period 2012 until 2016 with total 10 banks and using proposive sampling method. The analysis method that will be used is path analysis which supported by SPSS 24. The result shows CAR variable has positive impact to FDR. Meanwhile, NPF variable has negative impact. In the other side, CAR doesn’t has any significant impact to ROA. For CAR variable and NPF don’t give any significant impact to ROA using FDR as the intervene variable. Kata Kunci : Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR) dan Return on Asset (ROA).

Item Type: Thesis (Skripsi)
Contributors:
ContributionContributorsNIDNEmail
Thesis advisorGusliana Mais, RimiUNSPECIFIEDUNSPECIFIED
Subjects: Akuntansi > Akuntansi Keuangan
Divisions: S1 Akuntansi
Depositing User: Ridho Adi Nugroho
Date Deposited: 12 Apr 2022 04:23
Last Modified: 12 Apr 2022 04:23
URI: http://repository.stei.ac.id/id/eprint/7499

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