PENGARUH INFLASI, NON PERFORMING FINANCING, DAN FINANCING TO DEPOSIT RATIO TERHADAP TINGKAT BAGI HASIL DEPOSITO MUDHARABAH DENGAN RETURN ON ASSET SEBAGAI VARIABEL MODERASI (Studi Empiris Pada Bank Umum Syariah Yang Terdaftar di Otoritas Jasa Keuangan Periode 2017-2020)

Harumi, Ruhama (2021) PENGARUH INFLASI, NON PERFORMING FINANCING, DAN FINANCING TO DEPOSIT RATIO TERHADAP TINGKAT BAGI HASIL DEPOSITO MUDHARABAH DENGAN RETURN ON ASSET SEBAGAI VARIABEL MODERASI (Studi Empiris Pada Bank Umum Syariah Yang Terdaftar di Otoritas Jasa Keuangan Periode 2017-2020). Skripsi thesis, Sekolah Tinggi Ilmu Ekonomi Indonesia.

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Abstract

Penelitian ini bertujuan untuk mengetahui Pengaruh Inflasi, Non Performing Financing, dan Financing to Deposit Ratio Terhadap Tingkat Bagi Hasil Deposito Mudharabah dengan Return On Asset sebagai Variabel Moderasi pada Bank Umum Syariah yang terdaftar di Otoritas Jasa Keuangan (OJK). Penelitian ini menggunakan jenis penelitian asosiatif pendekatan kuantitatif, yang diukur dengan menggunakan metoda berbasis regresi data panel dengan bantuan Software Eviews 10. Populasi dari penelitian ini adalah Bank Umum Syariah yang terdaftar di Ototitas Jasa Keuangan (OJK) periode 2017-2020. Sampel ditentukan berdasarkan metode purposive sampling dengan jumlah sampel sebanyak 9 Bank Umum Syariah sehingga total observasi dalam penelitian ini sebanyak 36 data observasi. Data yang digunakan dalam penelitian ini berupa data sekunder. Teknik pengumpulan data menggunakan metoda dokumentasi melalui situs website resmi masing-masing Bank Umum Syariah dan Otoritas Jasa Keuangan (OJK) serta pengujian hipotesis menggunakan uji t. Hasil penelitian menunjukkan bahwa Inflasi berpengaruh terhadap Tingkat Bagi Hasil Deposito Mudharabah dengan signifikan, Non Performing Financing tidak berpengaruh signifikan terhadap Tingkat Bagi Hasil Deposito Mudharabah, Financing to Deposit Ratio berpengaruh signifikan terhadap Tingkat Bagi Hasil Deposito Mudharabah. Return On Asset memoderasi pengaruh Inflasi dan Financing to Deposit Ratio terhadap Tingkat Bagi Hasil Deposito Mudharabah. Namun Return On Asset tidak memoderasi pengaruh Non Performing Financing terhadap Tingkat Bagi Hasil Deposito Mudharabah. This study aims to determine the Effect of Inflation, Non Performing Financing, and Financing to Deposit Ratio on Profit Sharing Rates for Mudharabah Deposits with Return On Assets as Moderating Variables in Islamic Commercial Banks registered with the Financial Services Authority (OJK). This study uses a quantitative approach associative research, which is measured using a panel data regression-based method with the help of Software Eviews 10. The population of this study is Islamic Commercial Banks registered with the Financial Services Authority (OJK) for the 2017-2020 period. The sample was determined based on the purposive sampling method with a total sample of 9 Islamic Commercial Banks so that the total observations in this study were 36 observational data. The data used in this research is secondary data. The data collection technique uses the documentation method through the official websites of each Islamic Commercial Bank and the Financial Services Authority (OJK) and hypothesis testing using the t test. The results showed that Inflation significantly affected the Profit Sharing Rate for Mudharabah Deposits, Non-Performing Financing had no significant effect on the Profit Sharing Rate for Mudharabah Deposits, and the Financing to Deposit Ratio had a significant effect on the Profit Sharing Rate for Mudharabah Deposits. Return on Assets moderates the effect of Inflation and Financing to Deposit Ratio on Profit Sharing Rates for Mudharabah Deposits. However, Return on Assets does not moderate the effect of Non Performing Financing on the Profit Sharing Rate for Mudharabah Deposits.

Item Type: Thesis (Skripsi)
Contributors:
ContributionContributorsNIDNEmail
Thesis advisorHendrawati, HendrawatiNIDN0308116401hendrawati@stei.ac.id
Uncontrolled Keywords: Inflasi, Non Performing Financing, Financing to Deposit Ratio, Tingkat Bagi Hasil Deposito Mudharabah, Return On Asset.
Subjects: Akuntansi > Akuntansi Manajemen
Akuntansi > Akuntansi Syariah
Divisions: S1 Akuntansi
Depositing User: Mrs Harumi Ruhama
Date Deposited: 13 Nov 2021 06:57
Last Modified: 13 Nov 2021 06:57
URI: http://repository.stei.ac.id/id/eprint/5832

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