ANALISIS FAKTOR YANG MEMPENGARUHI TINGKAT PEMBIAYAAN BANK SYARIAH DI INDONESIA

  • Iqbal Andhi Brianto Jurusan Ilmu Ekonomi, Fakultas Bisnis dan Ekonomika, Universitas Surabaya
Abstract Views: 397 times
PDF Downloads: 238 times
Keywords: Financing, Islamic Bank, DPK, ROA, CAR, BOPO, NPF

Abstract

This study was conducted to determine the effect of DPK, ROA, CAR, BOPO, and NPF on various financingthat is Mudharabah, Musyarakah, Murabahah, Qardh, Istishna and Ijarah at two sharia commercial banks in Indonesia. This study uses data from the annual financialstatements of two Islamic banks in Indonesia, namely Bank Syariah Mandiri and Bank Muamalat in the period 2007-2015. Analyzer used in this research is multiple regression. The results showed that DPK, ROA, CAR, BOPO, and NPF simultaneously affect each type of financing,namely Mudharabah, Musyarakah, Murabahah, Qardh, Istishna, Ijarah. DPK Variable InfluencePositive To Mudharabah, Musyarakah, Murabaha, Qardh, and Ijarah. Negatively affect Istishna. ROA variables have positive effect on Murabahah, Qardh, Istishna, and Ijarah. But it does not affect Mudharabah and Musyarakah.Variabel CAR positive effect on Murabahah, Qardh, Istishna, and Ijarah. Negatively affected Musharaka. But it does not affect Mudharabah. BOPO variables have positive effect on Qardh. But it does not affect Mudharabah, Musyarakah, Murabahah, Istishna and Ijarah. The NPF variable has a positive effect on Musyarakah, Murabahah, Istishna and Ijarah. But negatively negatively to Mudharabah and Qardh.

Downloads

Download data is not yet available.

References

Bambang Sudiyanto & Jati Suroso. 2010. Analisis Pengaruh Dana Pihak Ketiga, BOPO, CAR dan LDR terhadap Kinerja Keuangan Pada Sektor Perbankan yang Go Public di Bursa Efek Indonesia (BEI) Periode 2005-2008, Jurnal Dinamika Keuangan dan Perbankan. Vol.2, No.2, Mei.

Ghozali, Imam., 2005. Aplikasi Analisis Multivariate dengan Program SPSS. Semarang. Badan Penerbit Universitas Diponegoro

Kuncoro, M., 2013. Metode Riset untuk Bisnis & Ekonomi: Bagaimana Meneliti dan Menulis Tesis? Edisi ke – 4, Jakarta. Erlangga.

Muhammad., 2004. Manajemen Dana Bank Syariah, Edisi ke – 1. Yogyakarta.

Sagita Devi Maharani., 2010. Analisis Pengaruh CAR, NPF, dan DPK Terhadap Penyaluran Pembiayaan (Studi Pada Bank Muamalat Indonesia Periode 2001-2009). Skripsi.

Sekaran, Uma. 2006. Metodologi Penelitian Untuk Bisnis, Edisi Keempat. Jakarta: Penerbit Salemba Empat.

Teguh Pudjo Mulyo., 2000. Analisis Laporan Keuangan Perbankan. Jakarta. Djambatan

www.bi.go.id “Perbankan Syariah” Diakses pada tanggal 11 Maret 2017 Pukul 15.00

www.syariahmandiri.co.id/category/investor-relation/laporan-tahunan/, Diakses pada tanggal 11 Maret 2017

www.bankmuamalat.co.id/hubungan-investor/laporan-tahunan, Diakses pada tanggal 11 Maret 2017.
Published
2018-06-01
How to Cite
Brianto, I. A. (2018). ANALISIS FAKTOR YANG MEMPENGARUHI TINGKAT PEMBIAYAAN BANK SYARIAH DI INDONESIA. Ekonomi Dan Bisnis: Berkala Publikasi Gagasan Konseptual, Hasil Penelitian, Kajian, Dan Terapan Teori, 22(2), 61 - 68. https://doi.org/10.24123/jeb.v22i2.1647
Share |