ANALISIS FAKTOR YANG MEMPENGARUHI TINGKAT PEMBIAYAAN BANK SYARIAH DI INDONESIA
Abstract Views:
119 times
PDF - FULL TEXT Downloads:
105 times
Abstract
This study was conducted to determine the effect of DPK, ROA, CAR, BOPO, and NPF on various financing that is Mudharabah, Musyarakah, Murabahah, Qardh, Istishna and Ijarah at two sharia commercial banks in Indonesia. This study uses data from the annual financial statements 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 Influence Positive 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
References
Ghozali, Imam., 2005. Aplikasi Analisis Multivariate dengan program SPSS.Semarang. Badan Penerbit Universitas Diponegoro
Kuncoro, M., 2013. Metode Riset untuk Bisnis & Ekonom i: Bagaimana Menelitidan Menulis Tesis?, edisi ke –4, Jakarta. Erlangga.
Muhammad., 2004. Manajemen Dana Bank Syariah, edisi ke –1. Yogyakarta.Ekonesia.
Sagita Devi Maharani., 2010. AnalisisPengaruh CAR, NPF, dan DPK Terhadap Penyaluran Pembiayaan (Studi Pada Bank Muamalat Indonesia Perio de 2001-2009).
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-tahunanDiakses pada tanggal 11 Maret 2017
- Articles published in CALYPTRA are licensed under a Creative Commons Attribution-ShareAlike 4.0 International license. You are free to copy, transform, or redistribute articles for any lawful purpose in any medium, provided you give appropriate credit to the original author(s) and the journal, link to the license, indicate if changes were made, and redistribute any derivative work under the same license.
- Copyright on articles is retained by the respective author(s), without restrictions. A non-exclusive license is granted to CALYPTRA to publish the article and identify itself as its original publisher, along with the commercial right to include the article in a hardcopy issue for sale to libraries and individuals.
- By publishing in CALYPTRA, authors grant any third party the right to use their article to the extent provided by the Creative Commons Attribution-ShareAlike 4.0 International license.
