Pengaruh inflasi dan BI rate terhadap financing to deposit ratio pada PT Bank BRI Syariah

Marliana, Nissa Ayu (2018) Pengaruh inflasi dan BI rate terhadap financing to deposit ratio pada PT Bank BRI Syariah. Masters thesis, UIN Sunan Gunung Djati Bandung.

[img]
Preview
Text (COVER)
1_cover.pdf

Download (221kB) | Preview
[img]
Preview
Text (ABSTRAK)
2_abstrak.pdf

Download (353kB) | Preview
[img]
Preview
Text (DAFTAR ISI)
3_daftarisi.pdf

Download (213kB) | Preview
[img]
Preview
Text (BAB I)
4_bab1.pdf

Download (582kB) | Preview
[img] Text (BAB II)
5_bab2.pdf
Restricted to Registered users only

Download (738kB) | Request a copy
[img] Text (BAB III)
6_bab3.pdf
Restricted to Registered users only

Download (441kB) | Request a copy
[img] Text (BAB IV)
7_bab4.pdf
Restricted to Registered users only

Download (939kB) | Request a copy
[img] Text (BAB V)
8_bab5.pdf
Restricted to Registered users only

Download (99kB) | Request a copy
[img] Text (DAFTAR PUSTAKA)
9_daftarpustaka.pdf
Restricted to Registered users only

Download (172kB) | Request a copy

Abstract

INDONESIA : Financing to Deposit Ratio adalah Rasio pembiayaan terhadap Dana Pihak Ketiga yang diterima oleh bank, Semakin tinggi Financing to Deposit Ratio menunjukkan semakin riskan kondisi likuiditas bank, sebaliknya semakin rendah Financing to Deposit Ratio menunjukkan kurangnya efektifitas bank dalam menyalurkan pembiayaan. PT Bank BRISyariah menunjukan Financing to Deposit Ratio yang fluktuatif, sapai kepada batas terendah yang ditentukan oleh Bank Indonesia yaitu 71,87% pada tahu 2017 triwulan keempat. Sedangkan batas Financing to Deposit Ratio untuk bank syariah yaitu 80% hingga 110%. Adapun faktor – faktor yang mempengaruhi Financing to Deposit Ratio diantaranya Inflasi dan BI Rate yang diteliti dalam peneltian ini. Adapun tujuan dari penelitian ini adalah untuk menganalisis pengaruh Inflasi terhadap Financing to Deposit Ratio, pengaruh BI Rate terhadap Financing to Deposit Ratio dan pengaruh Inflasi dan BI Rate terhadap Financing to Deposit Ratio pada PT Bank BRISyariah. Menurut Saekhu dengan menggunakan Vector Auturegression menyatakan bahwa variabel Inflasi ternyata berpengaruh positif terhadap Financing to Deposit Ratio. Dan menurut penelitian lain Nasiruddin bahwa variabel kredit bermasalah berpengaruh signifikan terhadap Loan to Deposit Ratio, variabel suku bunga kredit berpengaruh signifikan terhadap Loan to Deposit Ratio. Dalam penelitian ini metode yang digunakan adalah metode deskriptif analitis verifikatif dengan pendekatan kuantitatif yang menggunakan data time series. Metode penelitian kuantitatif dapat diartikan sebagai metode penelitian yang berdasarkan pada filsafat positivism, digunakan untuk meneliti pada populasi atau sempel tertentu, dan pengumpulan data menggunakan instrumen penelitian, analisis data bersifat kuantitatif atau statistik dengan tujuan untuk menguji hipotesis yang telah ditetapkan. Kesimpulan penelitian ini adalah Inflasi secara parsial terhadap Financing to Deposit Ratio pada PT Bank BRI Syariah adalah positif signifikan sebesar 52.2%. BI Rate secara parsial terhadap Financing to Deposit Ratio pada PT Bank BRI Syariah adalah positif signifikan sebesar 36.9%. dan Pengaruh Inflasi dan BI Rate secara simultan terhadap Financing to Deposit Ratio pada PT Bank BRI Syariah adalah sebesar 53.5%. Hal ini dibuktikan dengan lebih besarnya nilai Fhitung dari nilai Ftabel (9.772 ≥ 3.59) sehingga hipotesis alternatif (Ha) dapat diterima. Hasil penelitian ini mendukung penelitian sebelumnya yaitu Visal Dwi Jatmika Hasil penelitiannya menunjukkan bahwa tingkat inflasi dan Bi Rate tidak berpengaruh signifikan terhadap rasio Loan to Deposit Ratio PT. Bank Rakyat Indonesia dalam jangka pendek, namun berpengaruh signifikan secara positif dalam jangka panjang, sedangkan Penempatan Dana SBI berpengaruh signifikan negatif terhadap Loan to Deposit Ratio PT. Bank Rakyat Indonesia dalam jangka pendek dan tidak berpengaruh signifikan dalam jangka panjang. ENGLISH : Financing to Deposit Ratio is the ratio of financing to Third Party Funds received by banks. The higher the Financing to Deposit Ratio shows the more risky conditions of bank liquidity, while the lower the Financing to Deposit Ratio shows the lack of effectiveness of banks in channeling financing. PT Bank BRISyariah showed a fluctuating Financing to Deposit Ratio, reaching the lowest limit determined by Bank Indonesia, namely 71.87% in the 2017 fourth quarter. While the limit of Financing to Deposit Ratio for Islamic banks is 80% to 110%. The factors that influence the Financing to Deposit Ratio include Inflation and BI Rate which are examined in this study. The purpose of this study is to analyze the effect of Inflation on Financing to Deposit Ratio, the influence of the BI Rate on Financing to Deposit Ratio and the influence of Inflation and BI Rate on Financing to Deposit Ratio at PT Bank BRISyariah. According to Saekhu, using Vector Auturegression stated that the Inflation variable had a positive effect on Financing to Deposit Ratio. And according to Nasiruddin's other research that the variable of non-performing loans has a significant effect on the Loan to Deposit Ratio, the variable credit interest rate has a significant effect on the Loan to Deposit Ratio. In this study the method used is descriptive analytical method verification with a quantitative approach that uses time series data. Quantitative research methods can be interpreted as a research method based on positivism philosophy, used to examine certain populations or regions, and collect data using research instruments, quantitative or statistical data analysis with the aim of testing predetermined hypotheses. The conclusion of this study is that partial inflation of Financing to Deposit Ratio at PT Bank BRI Syariah is significantly positive at 52.2%. the BI Rate partially on the Financing to Deposit Ratio at PT Bank BRI Syariah is a significant positive of 36.9%. and the simultaneous effect of Inflation and BI Rate on Financing to Deposit Ratio at PT Bank BRI Syariah is 53.5%. This is evidenced by the greater Fcount value than the Ftable value (9,772 ≥ 3,59) so that the alternative hypothesis (Ha) can be accepted. he results of this study support the previous research, namely Visal Dwi Jatmika. The results of his research show that the inflation rate and Bi Rate have no significant effect on the Loan to Deposit Ratio ratio of PT. Bank Rakyat Indonesia in the short term, but has a significant positive effect in the long run, while SBI Fund Placement has a significant negative effect on the Loan to Deposit Ratio of PT. Bank Rakyat Indonesia in the short term and has no significant effect in the long run.

Item Type: Thesis (Masters)
Uncontrolled Keywords: BI Rate; Inflasi; Perbankan Syariah; Financing to Deposit Ratio.
Subjects: Islam > Islam and Economics
Fikih (Fiqih, Fiqh), Hukum Islam > Bank Islam, Baitul Mal Wat Tamlil
Financial Economics, Finance > Banks
Divisions: Pascasarjana Program Magister > Program Studi Ekonomi Syari'ah
Depositing User: - Nissa Ayu Marliana
Date Deposited: 16 Oct 2018 02:23
Last Modified: 21 Feb 2019 07:55
URI: http://digilib.uinsgd.ac.id/id/eprint/15518

Actions (login required)

View Item View Item