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Analisis Faktor Internal Dan Faktor Eksternal Yang Mempengaruhi Financial Distress Bank Umum Syariah Periode 2014- 2018 (Metode Grover)
Dhiwi Rasa Wulan Pamungkas (2021) | Skripsi | Akuntansi
Bagikan
Ringkasan
Tujuan dari penelitian ini adalah untuk mengetahui pengaruh dari Non Performing Finance (NPF), Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), Inflasi, dan Produk Domestik Bruto (PDB) terhadap Financial Distress pada Bank Umum Syariah periode 2014-2018 yang diukur dengan metode Grover (G-Score). Sampel dalam penelitian ini menggunakan metode purposive sampling dan diperoleh 12 Bank Umum Syariah di Indonesia yang akan dianalisis. Data dalam penelitian ini bersumber dari data sekunder berupa laporan keuangan tahunan bank syariah dan laporan mengenai inflasi dan Produk Domestik Bruto (PDB). Penelitian ini akan dianalisis dengan model regresi logistik yang akan diuji menggunakan alat bantu software EViews versi 10 SV. Hasil penelitian ini menunjukan bahwa terdapat empat perbankan syariah di Indonesia yang mengalami financial distress selama periode 2014-2018. Secara parsial, NPF dan inflasi berpegaruh signifikan terhadap financial distress, sedangkan FDR, CAR, dan PDB tidak berpengaruh signifikan terhadap financial distress. Kata kunci: Financial Distress, Metode Grover, Non Performing Finance (NPF), Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), Inflasi, dan Produk Domestik Bruto (PDB).
Ringkasan Alternatif
The purpose of this study is to determine the influence of Non Performing Finance (NPF), Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), Inflation, and Gross Domestic Product (GDP) on Financial Distress in Islamic Commercial Banks in 2014- 2018 as measured by the Grover method (G-Score). The sample of this study used a purposive sampling method and obtained 12 Islamic Commercial Banks in Indonesia to be analyzed. The data in this study were sourced from secondary data such as annual report Islamic Banks and reports on inflation and Gross Domestic Product (GDP). This research will be analyzed by a logistic regression model that will be tested using the EViews version 10 SV software. The results of this study indicate that there are four Islamic Commercial Banks in Indonesia that experienced financial distress during the 2014-2018 period. Partially, NPF and inflation have a significant effect on financial distress, while FDR, CAR, and GDP have no significant effect on financial distress. Keywords: Financial Distress, Grover Method, Non Performing Finance (NPF), Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), Inflation, and Gross Domestic Product (GDP).