ANALISIS FAKTOR-FAKTOR YANG MEMENGARUHI FINANCIAL SUSTAINABILITY RATIO PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2010 - 2014

NOTOATMOJO, M. IQBAL (2016) ANALISIS FAKTOR-FAKTOR YANG MEMENGARUHI FINANCIAL SUSTAINABILITY RATIO PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2010 - 2014. Masters thesis, STAIN Kudus.

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2. ABSTRAK.pdf

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3. DAFTAR ISI.pdf

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4. BAB I fix.pdf

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5. BAB II fix.pdf

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6. BAB III eviews.pdf

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7. BAB IV eviews.pdf

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9. DAFTAR PUSTAKA.pdf

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Return on Equity (ROE), Return On Asset (ROA), Financing Deposit Ratio (FDR), Biaya Operasi Terhadap Pendapatan Operasi (BOPO) terhadap Financial Sustainability Ratio (FSR) Perbankan Syariah di Indonesia Obyek dalam penelitian ini adalah Bank-bank Umum Syariah di Indonesia yang telah terdaftar di Bank Indonesia/OJK periode 2010Q2 ‐ 2014Q4. Metode analisis data menggunakan uji analisis regresi data panel dengan model estimasi Fixed Effect, uji asumsi klasik, dan uji hipotesis dengan menggunakan alat bantu program Eviews 8.0. Hasil penelitian uji t menunjukkan bahwa CAR berpengaruh positif tidak signifikan, NPL berpengaruh negatif signifikan, ROE berpengaruh negatif tidak signifikan, ROA berpengaruh positif signifikan, FDR berpengaruh positif tidak signifikan, dan BOPO berpengaruh negatif signifikan. Sedangkan hasil penelitian uji F menunjukkan bahwa secara bersama-sama seluruh variabel independen berpengaruh signifikan terhadap variabel dependen dengan adjusted R2 sebesar 0,9646. Hasil penelitian ini diharapkan dapat menjadi bahan pertimbangan bagi manajemen bank-bank umum Syariah yang beroperasi di Indonesia untuk meningkatkan pendapatan operasionalnya dan menekan beban atau biaya operasionalnya sehingga tercapai Financial Sustainability. This study aimed to analyze the influence of Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Return on Equity (ROE), Return on Assets (ROA), Financing Deposit Ratio (FDR), Operating Expenses Operating Income (BOPO) to Financial Sustainability Ratio (FSR) of Islamic Banking in Indonesia. Objects in this study is Sharia Commercial Banks in Indonesia that has been registered in Bank Indonesia / OJK period 2010Q2 - 2014Q4. Methods of test data analysis using panel data regression analysis with the estimation model Fixed Effect, classic assumption test, and hypothesis testing using tools Eviews 8.0 program. Results of the study t test showed that the CAR has a not significant positive effect, NPF has significant negative effect, ROE has not significant negative effect, ROA has significant positive effect, FDR has a not significant positive effect, and BOPO has a significant negative effect. While the research results indicate that the F test together all independent variables significantly influence the dependent variable and adjusted R2 of 0.9646. The results of this study are expected to be taken into consideration for the general management of Islamic banks operating in Indonesia to increase operating income and pressing the load or its operational costs in order to reach Financial Sustainability.

Item Type: Thesis (Masters)
Uncontrolled Keywords: Efisiensi; Sustainability Ratio; Bank Umum Syariah. Efficiency; Sustainability Ratio; Islamic Banks.
Subjects: Sosial
Sosial > Ilmu Ekonomi
Sosial > Ilmu Ekonomi > Ekonomi Keuangan
Sosial > Ilmu Ekonomi > Keuangan Negara
Sosial > Ilmu Ekonomi > Ekonomi Makro
Divisions: Pasca Sarjana > Ekonomi Syariah
Depositing User: Perpustakaan STAIN Kudus
Date Deposited: 04 Dec 2016 07:20
Last Modified: 04 Dec 2016 07:20
URI: http://eprints.stainkudus.ac.id/id/eprint/222

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