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http://repository.usu.ac.id/handle/123456789/9010
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| Title: | Pengaruh FDR, BOPO Dan NPF Terhadap Profitabilitas (ROE) Perbankan Syariah Di Indonesia |
| Authors: | Dina Rizkiah Hutasuhut |
| Advisors: | Drs. Hotmal Jafar, MM, Ak. |
| Issue Date: | 11-Feb-2010 |
| Abstract: | Tujuan penelitian ini adalah untuk mengetahui pengaruh Financing to Deposit Ratio (FDR), Biaya Operasional terhadap Pendapatan Operasional (BOPO) dan Non Performing Financing (NPF) baik secara parsial maupun simultan terhadap profitabilitas perbankan syariah di Indonesia. Penelitian ini menjelaskan tingkat profitabilitas yang dipengaruhi oleh beberapa faktor. Faktor-faktor tersebut adalah FDR (Financing Deposit to Ratio), BOPO (Biaya Operasional Terhadap Pendapatan Operasional, dan NPF (Non Performing Financing); sedangkan alat ukur untuk menilai profitabilitas perbankan syariah adalah ROE (Return On Equity).
Penelitian ini merupakan jenis penelitian kausal dan bersifat replikasi terhadap penelitian sebelumnya dengan dengan modifikasi tertentu. Metode sampling yang digunakan adalah metode sensus, yakni menggunakan seluruh populasi sebagai sampel. Data yang digunakan adalah data sekunder, dengan Financing to Deposit Ratio (FDR), Biaya Operasional Terhadap Pendapatan Operasional (BOPO) dan Non Performing Financing (NPF) sebagai variabel bebas dan Return On Equity (ROE) sebagai variabel terikatnya. Metode statistik yang digunakan adalah regresi linear berganda dengan pengujian asumsi klasik terlebih dahulu.
Hasil penelitian menunjukkan bahwa variabel Financing to Deposit Ratio (FDR), Biaya Operasional Terhadap Pendapatan Operasional (BOPO) dan Non Performing Financing (NPF) secara simultan berpengaruh signifikan terhadap profitabilitas (ROE) perbankan syariah pada tingkat kepercayaan 95%. Pengujian secara parsial menunjukkan hanya variabel FDR yang berpengaruh signifikan terhadap profitabilitas (ROE) perbankan syariah pada tingkat kepercayaan 95%. |
| Abstract (other language): | The purpose of this research is to acquire knowledge about the effect of financing to deposit ratio, operating cost and non performing finacing either partially or simultaneously to islamic banking profitability. This research will describe the profitability that influenced by some factor. Those are financing to deposit ratio, operating cost and non performing financing; and return on equity as the measurement of islamic banking profitability.
This research is classified as causal research and replication to former research, with certain modification. This research is using sensus sampling method, which using whole population as the research sample. Secondary data is used, which consist of financing to deposit ratio, operating cost and non performing financing as independent variable; and return on equity as dependent variable. This research is using multiple regressions analysis which has been tested in classic assumptions.
The result indicates that financing to deposit ratio, operating cost and non performing financing variable simultaneously have significantly influence to return on equity of islamic banking in 95% confidence interval. Partially, a mere financing to deposit ratio can explain significantly to the islamic banking profitability in confidence interval of 95%. |
| Keywords: | fdr
bopo
npf
profitabilitas (roe) perbankan syariah |
| URI: | http://repository.usu.ac.id/handle/123456789/9010 |
| Appears in Collections: | SP - Accountancy
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