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Pengaruh NPF, FDR, BOPO, dan CAR terhadap ROA Perbankan Syariah di Indonesia Tahun 2012 - 2015
Rendi Bangun Aprilianto (2018) | Skripsi | Akuntansi
Bagikan
Ringkasan
Penelitian ini dilakukan dengan tujuan untuk mengetahui apakah komponen Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Biaya Operasional Pendapatan Operasional (BOPO), dan Capital Adiquency Ratio (CAR) berpengaruh terhadap kinerja keuangan yang diukur berdasarkan rasio profitabilitas menggunakan Return on Asset (ROA) baik secara simultan maupun parsial. Populasi dalam penelitian ini adalah Perbankan Syariah di Indonesia. Teknik sampling yang digunakan adalah metode Purposive Sampling dimana sampel diambil dengan pertimbangan tertentu. Penelitian ini menggunakan data dari Statistik Perbankan Syariah periode Januari 2012-Desember 2015 yang diperoleh dari situs resmi Otoritas Jasa Keuangan. Analisis dalam penelitian ini menggunakan data time series (deret waktu) dan metode analisis yang digunakan adalah Regresi Linier Berganda yang dibantu dengan program PASW 18. Hasil dari penelitian ini menunjukkan bahwa nilai Non Performing Financing (NPF) berpengaruh negatif signifikan terhadap Return on Asset (ROA). Nilai Biaya Operasional Pendapatan Operasional (BOPO) berpengaruh negatif signifikan terhadap Return on Asset (ROA). Nilai Capital Adiquency Ratio (CAR) berpengaruh negatif signifikan terhadap Return on Asset (ROA). Namun nilai Financing to Deposit Ratio (FDR) tidak berpengaruh terhadap Return on Asset (ROA) Perbankan Syariah. Kata Kunci: Return on Asset (ROA), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Biaya Operasional Pendapatan Operasional (BOPO), Capital Adiquency Ratio (CAR).
Ringkasan Alternatif
This research was conducted with the aim to find out whether components of Non Performing Financing (NPF). Financing to Deposit Ratio (FDR), Operating Costs Operating Income (BOPO), and Capital Adiquency Ratio (CAR) effect on financial performance is measured based on a ratio profitability using Return on Asset (ROA) either simultaneously or partial. The population in this research is Islamic Banking in Indonesia. The sampling technique used is a Purposive Sampling method in which sample is taken with certain consideration. This research used data from The Islamic Banking Statistics (SPS) from January 2012-December 2015, obtained from the official website of Otoritas Jasa Keuangan. The analysis in this research using time series data and the methods of analysis was used Multiple Linear Regression that assisted with PASW 18. The results of this study indicate that the value of Non Performing Financing (NPF) has a significant negative effect on Return on Assets (ROA). Operational Costs Operating Income (BOPO) has a significant negative effect on Return on Assets (ROA). The value of Capital Adiquency Ratio (CAR) has a significant negative effect on Return on Assets (ROA). However, the value of Financing to Deposit Ratio (FDR) has no effect on Return on Assets (ROA) of Sharia Banking. Keywords: Return on Assets (ROA), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Operational Costs Operating Income (BOPO), Capital Adiquency Ratio (CAR).