Pengaruh tingkat Financing to Deposit Ratio, Non Performing Financing, dan Operational Efficiency Ratio terhadap Net Operating Margin pada PT Bank Syariah Mandiri

Masrifa, Dina (2018) Pengaruh tingkat Financing to Deposit Ratio, Non Performing Financing, dan Operational Efficiency Ratio terhadap Net Operating Margin pada PT Bank Syariah Mandiri. Masters thesis, UIN Sunan Gunung Djati Bandung.

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Abstract

INDONESIA : Net Operating Margin (NOM) merupakan rasio yang menggambarkan kemampuan bank dalam menghasilkan pendapatan dari kegiatan operasional. Untuk memperoleh NOM yang baik, bank harus bisa mengendalikan Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), dan Operational Efficiency Ratio (OER) dengan baik. Perkembangan NOM pada PT Bank Syariah Mandiri mengalami pertumbuhan yang kurang memuaskan, dengan terjadinya penurunan rasio hingga dibawah 1%. Idealnya, NOM yang baik atau sehat harus berada diatas 3%. Hal ini penting untuk diperhatikan, jika pendapatan dari kegiatan operasional menurun maka besar kemungkinan bank akan mengalami kerugian. Selain itu, terdapat fenomena gap dalam perkembangan antara FDR, NPF, dan OER terhadap NOM pada PT Bank Syariah Mandiri. Tujuan dari penelitian ini yaitu untuk mengetahui seberapa besar pengaruh FDR, NPF, OER terhadap NOM secara parsial. Selain itu, penelitian ini bertujuan untuk mengetahui seberapa besar pengaruh pengaruh FDR, NPF, dan OER secara simultan terhadap NOM. Dalam beberapa pendapat dan hasil penelitian yang temukan oleh peneliti lain bahwa FDR, NPF, dan OER akan berpengaruh terhadap NOM. Ketika FDR meningkat maka NOM juga akan mengalami hal serupa. Sedangkan ketika NPF dan OER mengalami peningkatan, maka NOM akan mengalami penurunan. Metode penelitian yang digunakan adalah metode deskriptif analitis verifikatif dengan pendekatan kuantitatif. Data yang digunakan adalah data sekunder berupa laporan keuangan yang dipublikasikan PT Bank Syariah Mandiri selama periode triwulan 2010-2017. Teknik analisis data yang digunakan adalah Regresi linier, Korelasi PPM, Koefisien Determinasi, dan Uji hipotesis (Uji t dan Uji F) dengan bantuan pengolahan data menggunakan software SPSS 16.0. Adapun kesimpulan yang didapat dari penelitian ini bahwa secara parsial FDR berpengaruh positif signifikan terhadap NOM sebesar 55.3%. NPF dan OER masing-masing berpengaruh negatif signifikan terhadap NOM sebesar 74.4% dan 82.4%%. Sedangkan secara simultan, FDR, NPF, dan OER berpengaruh terhadap NOM sebesar 91%. Selain itu ditemukan bahwa nilai Fhitung ≥ nilai Ftabel (94.644 ≥ 2.960). Artinya, model regresi yang diestimasi layak digunakan untuk menjelaskan pengaruh Financing to Deposit Ratio, Non Performing Financing, dan Operational Efficiency Ratio terhadap Net Operating Margin pada PT Bank Syariah Mandiri. Hal ini sesuai dengan hasil penelitian yang dilakukan oleh Wibosono dan Wahyuni (2017) mengenai “Pengaruh CAR, NPF, BOPO, FDR terhadap ROA yang Dimediasi oleh NOM”. ENGLISH : Net Operating Margin (NOM) is a ratio that describe ability of bank in affording profit from operational activity. To get a good NOM, bank must be able to control the distribution of financing (FDR), the risk of financing (NPF), and the operational efficiency (OER) well. The development of NOM at PT Bank Syariah Mandiri encounters the increasing that is less satisfactory, with NOM derivation below 1%. Ideally, a good NOM should be above than 3%. This is important to be paid attention, because if the income of the operational activity is going down then it is likely that the bank will be loss. Other than that, there is gap phenomenon between the developments of FDR, NPF and OER to NOM. The purpose of this research is to find out how much influence FDR, NPF, OER on NOM partially. In addition, this research aims to determine how much the influence of FDR, NPF, and OER simultaneously on NOM. In some opinions and research results found by other researchers that FDR, NPF, and OER will affect NOM. When FDR increases, NOM will also experience the same thing. Whereas when NPF and OER have increased, NOM will experience a decline. The research method used is descriptive analytical method verification with a quantitative approach. The data used are secondary data in the form of financial statements published by PT Bank Syariah Mandiri during the quarter 2010-2017 period. The technique of data analysis that is used is linear regression, PPM correlation, Determination coefficient, and hypothesis testing (t Test and F Test) with the help of data processing using SPSS 16.0 software. The conclusions obtained from this research that partially FDR has a significant positive effect on NOM of 55.3%. Each NPF and OER have a significant negative effect on NOM of 74.4% and 82.4 %. While simultaneously, FDR, NPF, and OER have an effect on NOM of 91%. In addition, it is found that the value of Fcount ≥ Ftable (94.644 ≥ 2.960). That means, the estimated regression model is suitable to explain the effect of Financing to Deposit Ratio, Non Performing Financing, and Operational Efficiency Ratio on Net Operating Margin at PT Bank Syariah Mandiri. This is consistent with the results of research conducted by Wibosono and Wahyuni (2017) regarding "The Effect of CAR, NPF, BOPO, FDR on ROA Mediated by NOM".

Item Type: Thesis (Masters)
Uncontrolled Keywords: inancing to Deposit Ratio; Non Performing Financing; Operational Efficiency Ratio; Net Operating Margin; Perbankan Syariah
Subjects: Islam > Islam and Economics
Fikih (Fiqih, Fiqh), Hukum Islam > Bank Islam, Baitul Mal Wat Tamlil
Financial Economics, Finance
Financial Economics, Finance > Banks
Divisions: Pascasarjana Program Magister > Program Studi Ekonomi Syari'ah
Depositing User: Dina Masrifa
Date Deposited: 12 Oct 2018 03:52
Last Modified: 21 Feb 2019 04:05
URI: http://digilib.uinsgd.ac.id/id/eprint/15477

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