EFFECT OFFINANCING TO DEPOSIT RATIO(FDR), MURABAHAH,MUSYARAKAH,AND NON PERFORMING FINANCING(NPF) TO PROFITABILITY (ROA) ONISLAMIC BANKS IN INDONESIA

Marlina Widiyanti,Maya Yuliani, Taufik (2016) Effect Offinancing To Deposit Ratio(fdr), Murabahah,musyarakah,and Non Performing Financing(npf) To Profitability (roa) Onislamic Banks In Indonesia

Lembaga Penelitian Um Metro


File Pdf Download


ABSTRACT

This research objective is to know the influence of Financing - to - Deposit Ratio (FDR), Murabahah, Musyarakah and Non Performing Financing (NPF) to Profitability of Islamic Bank in Indonesia. Population used in this research there are 12 Islamic Banks roomates operated in Indonesia during period 2011 - 2014. The sampling method used is purposive sampling. Off 12 Islamic Banks, Isla mic Banks 4 were selected as a sample. Data Analysis Technique used was Multiple Linear Regression. This correlation partial results Showed that financing - to - deposit ratio (FDR) and Murabahahh had a positive effect on profitability (ROA), while Musyarakah and Non Performing Financing (NPF) had a negative effect on profitability (ROA). Research results from simultaneously Showed that FDR, Murabahah, Musyarakah and NPF had significant and positive effects to ROA. The implication of this research is the Muraba hah Financing managers can implement in order to improve the profitability of the Islamic bank. For futher research, it is suggested to add other independent variables such as Mudharabah, Capital Adequacy Ratio, inflation and Wadiah Certificate of BI.

Keywords : Return On Assets (ROA), Financing to Deposit Ratio (FDR), Murabahah, Musyarakah, Non Performing Financing (NPF)

REFERENSI

[1] Adyani, Rahma. 2011. “Analisis Faktor - Faktor Yang Mempengaruhi Profitabilitas”. Skripsi , Universitas Diponogoro, Semarang. [2] Antonio, M.Syafi‟I. 2005. Bank SyariahdariTeorikePraktik . Jakarta: GemaInsani. [3] Bank Indonesia ( 2012). Statistik Perbankan Syariah Desember 2014. Jakarta: Bank Indonesia. [4] Bank Indonesia (2012). Peraturan Bank Indonesia No. 9/1/PBI/2012 tentang Sistem Penilaian Tingkat Kesehatan Bank Umum Berdasarkan Prinsip Syariah. Jakarta: Bank Indonesia. [5] Bank Ind onesia (2012). Peraturan Bank Indonesia No. 9/9/PBI/2012 tentang Sistem Penilaian Kualitas Aktiva Bank Umum yang Melaksanakan Kegiatan Usaha Berdasarkan Prinsip Syariah. Jakarta: Bank Indonesia. [6] Dendawijaya, Lukman. 2009. Manajemen Perbankan . Jakarta: Ghal ia Indonesia. [7] Dewi, Dhika R. 2010. “Faktor - faktor yang mempengaruhi profitabilitas bank syariah di Indonesia”. Skripsi, Fakultas Ekonomi. Universitas Diponegoro, Semarang. [8] Fuad, Aulia dan Rochmanika, R. 2012. “Pengaruh Pembiayaan Jual Beli, Pembiayaan Bagi Hasil, dan Rasio Non Perfoming Financing Terhadap Profitabilitas Bank Umum Syariah di Indonesia”. Skripsi , Universitas Brawijaya. [9] Ghozali, Imam. 2009. Aplikasi Analisis Multivariate dengan Program SPSS . Semarang: Badan Penerbit Universitas Diponegoro. [10] Han afi, Mamduh M. 2004. Manajemen Keuangan . BPFE, Yogyakarta. [11] Irmawati, Erlyta Dhessy. 2014. “Pengaruh FDR, Pembiayaan Jual Beli, Pembiayaan Bagi Hasil, Pembiayaan Sewa Menyewa, dan NPF terhadap Profitabilitas”. Skripsi Universitas Diponegoro. Semarang. [12] James H. Davis, F. David Scoorman dan Lex Donalson. 1997. “Toward a Tewardship Theory of management”. Academy of Management Review Vol, 22, No. 1, Page 22 - 47, 1997. [13] Muhammad. 2012. Modul Short Course Bank Syariah . Yogyakarta : STEI [14] Pratiwi, Dayinta D. 2012. “Pe ngaruh CAR, BOPO, NPF, dan FDR Terhadap ROA Bank Umum Syariah”. Skripsi , Universitas Diponogoro, Semarang. [15] R.D.P Reinisa. 2015. Pengaruh Pembiayaan Mudharabah, Musrakah, dan Murabahah terhadap Profitabilitas Bank Syariah Mandiri, TBK. JurnalSkripsi , Univer sitas Brawijaya. [16] Sari, D. W. 2013. “Pengaruh Pembiayaan Jual Beli, Pembiayaan Bagi Hasil, Financing to Deposit Ratio, dan Non Perfoming Financing Terhadap Profitabilitas Bank Indonesia”. Skripsi Semarang: Jurusan Manajemen UNDIP. [17] Sekaran, U. 2006. Research Methods For Business . Jakarta: Selemba Empat. [18] Sugiyono. 2006. Metode Penelitian Pendidikan . Bandung: Alfabeta. [19] Undang - Undang No.10 tahun 1998 tentang Perbankan. Diambil pada tanggal 12 September 2015. [20] Veitzhal dan Rivai. 2008. Islamic Financial Management . Jakarta: PT Raja Grafindo Persada. [21] Wibowo, E.S. dan Syaichu, M. 2012. “Analisis Pengaruh Suku Bunga, Inflasi, Car, Bopo, NPF Terhadap Profitabilitas Bank Syariah”. JurnalEkonomi. Universitas - Diponogoro. Semarang. [22] “Statistik Perbankan Syariah”. Diakses, www.bi.go.id , 20 September 2015