Pengaruh permodalan, kualitas pembiayaan dan pertumbuhan ekonomi terhadap likuiditas pada PT Bank BNI Syariah periode 2013-2017

Az Zahra, Qiny Shonia (2018) Pengaruh permodalan, kualitas pembiayaan dan pertumbuhan ekonomi terhadap likuiditas pada PT Bank BNI Syariah periode 2013-2017. Masters thesis, UIN Sunan Gunung Djati Bandung.

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Abstract

INDONESIA : Salah satu pengukuran likuiditas adalah dengan melihat tingkat FDR. Likuiditas menjadi poin penting dalam kegiatan operasional perbankan juga dalam ketahanan serta keberlangsungan suatu bank. FDR di Bank BNI Syariah cenderung menurun selama periode 2013-2017. Selain itu, terdapat fenomena gap antara perkembangan CAR, NPF, dan GGDP terhadap FDR di PT Bank BNI Syariah. Tujuan dari penelitian ini adalah untuk mengetahui seberapa besar pengaruh Permodalan, Kualitas Pembiayaan dan Pertumbuhan Ekonomi terhadap Likuiditas secara parsial. Selain itu, penelitian ini bertujuan untuk mengetahui seberapa besar pengaruh simultan Permodalan, Kualitas Pembiayaan dan Pertumbuhan Ekonomi terhadap Likuiditas. Dalam beberapa pendapat dan hasil penelitian yang temukan oleh peneliti lain bahwa Permodalan (XI), Kualitas Pembiayaan (X2) dan Pertumbuhan Ekonomi (X3) akan berpengaruh terhadap Likuiditas (Y). Ketika XI dan X3 mengalami kenaikan maka Y juga akan mengalami kenaikan, begitu pula sebaliknya. Sedangkan ketika X2 meningkat, maka Y akan mengalami penurunan. Metode penelitian yang digunakan yaitu metode deskriptif analitis verifikatif dengan pendekatan kuantitatif. Data yang digunakan adalah data sekunder berupa laporan keuangan yang dipublikasikan PT Bank BNI Syariah selama periode triwulan 2013-2017. Teknik analisis data yang digunakan adalah analisis deskriptif, Regresi linier, Korelasi PPM, Koefisien Determinasi, dan Uji hipotesis (Uji t dan Uji F) dengan bantuan pengolahan data menggunakan software SPSS 22.0. Kesimpulan dari penelitian ini bahwa secara parsial permodalan tidak berpengaruh signifikan terhadap likuditas sebesar 0.4%. Kualitas pembiayaan berpengaruh signifikan terhadap Likuiditas sebesar 56.7% dan pertumbuhan ekonomi tidak berpengaruh signifikan terhadap likuiditas sebesar 0,2%. Secara simultan, Permodalan, Kualitas Pembiayaan dan Pertumbuhan Ekonomi berpengaruh terhadap Likuiditas sebesar 75,1%. Artinya, model regresi yang diestimasi layak digunakan. Penelitian ini mendukung Herry Achmad Buchory yang menyatakan bahwa CAR dan NPF memiliki pengaruh signifikan terhadap LDR dan Lella N Q Irawan dengan penelitian yang menyatakan bahwa NPF dan GDP memiliki pengaruh signifikan terhadap ROA dengan FDR sebagai variabel intermediasi. ENGLISH : On of many ways to in measuring liquidity is by seeing at the level of FDR. Liquidity is an important point in banking operations as well as in the resilience and sustainability of a sharia bank. FDR at Bank BNI Syariah tends to decrease during the period 2013-2017. In addition, there is a phenomenon of a gap between the development of CAR, NPF, and GGDP against FDR in PT Bank BNI Syariah. The purpose of this study was to find out how much the influence capital, financing quality, and economic growth on liquidity partially. In addition, this study aims to determine how much influence the influence of capital, financing quality, and economic growth on liquidity simultaneously. Found by other researchers that capital, financing quality, and economic growth will affect liquidity. When capital (CAR) and economic growth (GGDP) increased, liquidity (FDR) will also increase, and vice versa. Whereas when financing quality (NPF) increases, the liquidity (FDR) will decrease. The research method used is descriptive analytical method verification with a quantitative approach. The data used is secondary data in the form of financial statements published by PT Bank BNI Syariah during the 2013-2017. Data analysis techniques used were linear regression, PPM correlation, coefficient of determination, and hypothesis testing (t test and F test) with the help of data processing using SPSS 22.0. The conclusion obtained from this study that partially capital (CAR) does not have a significant effect on liquidity (FDR) with a coefficient of determination of 0.4%. Financing quality (NPF) has a significant effect on liquidity (FDR) with a determination coefficient of 56.7% and economic growth (GGDP) has no significant effect on liquidity (FDR) with a coefficient of determination of 0.2%. While simultaneously CAR, NPF, and GGDP affect FDR with a coefficient of determination of 75.1%. In addition, it was found that the value of F calculated ≥ value of Ftable (16,062 ≥ 3,260). This means that the estimated regression model is appropriate to explain the influence of the level of capital, financing quality and economic growth the level of liquidity at PT Bank BNI Syariah for the 2013-2017 period. This study supports Herry Achmad Buchory, that CAR and NPF has a significant impact to FDR and Lella N Q Irawan with her research that saying NPF and GDP has significant impact to ROA as FDR as intermediation function.

Item Type: Thesis (Masters)
Uncontrolled Keywords: Permodalan; Kualitas Pembiayaan; Pertumbuhan Ekonomi; Likuiditas; Bank Syariah
Subjects: Fikih (Fiqih, Fiqh), Hukum Islam > Bank Islam, Baitul Mal Wat Tamlil
Financial Economics, Finance > Capital
Financial Economics, Finance > Banks
Production, Industrial Economics > Economic Development and Growth
Divisions: Pascasarjana Program Magister > Program Studi Ekonomi Syari'ah
Depositing User: Qiny Shonia Az Zahra
Date Deposited: 15 Oct 2018 07:42
Last Modified: 01 May 2019 10:17
URI: http://digilib.uinsgd.ac.id/id/eprint/15504

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