Pengaruh Financing to Deposit Ratio (FDR) dan Liquidity Risk (LR) Terhadap Capital Adequacy Ratio (CAR) Di PT. Bank Syariah Mandiri Periode 2011-2016

Purnamasari, Depi (2014) Pengaruh Financing to Deposit Ratio (FDR) dan Liquidity Risk (LR) Terhadap Capital Adequacy Ratio (CAR) Di PT. Bank Syariah Mandiri Periode 2011-2016. Masters thesis, UIN Sunan Gunung Djati Bandung.

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Abstract

INDONESIA : Penelitian ini dilatarbelakangi oleh naik turunya Capital Adequacy Ratio (CAR) di PT. Bank Syariah Mandiri, salah satunya dipengaruhi oleh faktor Financing to Deposit Ratio (FDR) dan Liquidity Risk (LR). Adanya kesenjangan antara teori dan kondisi sebenarnya mengenai teori Financing to Deposit Ratio (FDR) dan Liquidity Risk (LR) terhadap Capital Adequacy Ratio (CAR) seharusnya berbanding lurus dengan Capital Adequacy Ratio (CAR). Namun dalam kenyataannya, Financing to Deposit Ratio (FDR) dan Liquidity Risk (LR) berbanding terbalik dengan Capital Adequacy Ratio (CAR). Tujuan dari penelitian ini yaitu untuk mengetahui seberapa besar pengaruh Financing to Deposit Ratio (FDR) sebagai variabel x_1 dan Liquidity Risk (LR) sebagai variabel x_2 terhadap Capital Adequacy Ratio (CAR) Y secara parsial. Selain itu, penelitian ini untuk mengetahui seberapa besar pengaruh Financing to Deposit Ratio (FDR) sebagai variabel x_1 dan Liquidity Risk (LR) sebagai variabel x_2 terhadap Capital Adequacy Ratio (CAR) Y secara simultan. Dalam teori yang dikemukakan bahwa Capital Adequacy Ratio (CAR) akan berpengaruh terhadap Financing to Deposit Ratio (FDR) karena ketika Capital Adequacy Ratio (CAR) yang dipublikasikan oleh bank setiap periode tertentu, maka Capital Adequacy Ratio (CAR) akan secara otomatis meningkat. Sehingga rasio-rasio keuangan yang telah disebutkan bisa dijadikan sebagai indikator untuk mengukur kemampuan bank dalam mempertahankan Capital Adequacy Ratio (CAR) setiap triwulannya. Metode penelitian yang dilakukan adalah metode analisis data sekunder tentang Financing to Deposit Ratio (FDR) sebagai variabel x_1 dan Liquidity Risk (LR) sebagai variabel x_2 terhadap Capital Adequacy Ratio (CAR) Y yang dipublikasikan di media eloktronik atau media sosial pada situs resmi perusahaan atau instansi terkait lembaga-lembaga pemerintah. Dilihat dari tujuannya penelitian ini termasuk kedalam penelitian explanotory reasearch. Dikatakan demikian, karena penelitian ini melibatkan tiga variabel yang saling berhubungan. Berdasarkan hasil peneltian parsial dengan uji t pengaruh Financing to Deposit Ratio (FDR) terhadap Capital Adequacy Ratio (CAR) memiliki nilai signifikansi sebesar 0,507 sehingga dapat disimpulkan bahwa Financing to Deposit Ratio (FDR) berpengaruh dan signifikansi terhadap Capital Adequacy Ratio (CAR). Selanjutnya, untuk nilai signifikansi dari pengaruh Liquidity Risk (LR) terhadap Capital Adequacy Ratio (CAR) memiliki nilai signifikansi sebesar 0,0003 sehingga dapat disimpulkan bahwa Liquidity Risk (LR) terhadap Capital Adequacy Ratio (CAR) memiliki pengaruh tapi tidak signifikan. Berdasarkan hasil uji F Financing to Deposit Ratio (FDR) dan Liquidity Risk (LR) secara simultan memiliki nilai signifikansi sebesar 0,007 sehingga dapat disimpulkan bahwa terdapat pengaruh tapi tidak signifikan terhadap Capital Adequacy Ratio (CAR). ENGLISH : This research is motivated by the ups and downs of the Capital Adequacy Ratio (CAR) at PT. Bank Syariah Mandiri, one of which is influenced by Financing to Deposit Ratio (FDR) and Liquidity Risk (LR). There is a gap between the theory and the actual condition of Financing to Deposit Ratio (FDR) and Liquidity Risk (LR) to Capital Adequacy Ratio (CAR), should be directly proportional to Capital Adequacy Ratio (CAR). But in reality, Financing to Deposit Ratio (FDR) and Liquidity Risk (LR) are inversely proportional to Capital Adequacy Ratio (CAR); The purpose of this study is to determine how much influence Financing to Deposit Ratio (FDR) as variables x_1,dan Liquidity Risk (LR) x_2 as a variable x_2 Capital Adequacy Ratio (CAR) Y against Capital Adequacy Ratio (CAR) Y, In addition, this study to determine how much influence Financing to Deposit Ratio (FDR) as variables x_1, and Liquidity Risk (LR) as a variable x_2, against Capital Adequacy Ratio (CAR) Y,simultaneously.; The research method is a method of analysis of secondary data on Financing to Deposit Ratio (FDR) as variables x_1, and Liquidity Risk (LR) as a variable x_2, against Capital Adequacy Ratio (CAR) Y, published in the electronic media, and social media on the official website of the company or agency and related government agencies. Judging from the goal of this study include research into explanotory reasearch. It is said that, because this study involves three interrelated variables.; Based on the research findings partial t test influence on Financing to Deposit Ratio (FDR) of Capital Adequacy Ratio (CAR) has a significance value of 0,507, so that it can be concluded that the Financing to Deposit Ratio (FDR) significantly affect the amount of Capital Adequacy Ratio (CAR). Furthermore, for the significance of the influence of Liquidity Risk (LR) of the Capital Adequacy Ratio (CAR) has a significance value of 0,003, so that it can be concluded that the Liquidity Risk (LR) of the Capital Adequacy Ratio (CAR) has influence but no significant. Based on the results of the F test Financing to Deposit Ratio (FDR) and Liquidity Risk (LR) simultaneously has a significance value of 0,007, so that it can be concluded that the Financing to Deposit Ratio (FDR) and Liquidity Risk (LR) of the Capital Adequacy Ratio (CAR) has influence but no significant.

Item Type: Thesis (Masters)
Uncontrolled Keywords: Financing to Deposit Ratio (FDR); Liquidity Risk (LR) ; Capital Adequacy Ratio (CAR)
Subjects: Islam > Islam and Economics
Administration of Economy > Administration of Financial Institutions
General Management > Financial Management
Divisions: Pascasarjana Program Magister > Program Studi Ekonomi Syari'ah
Depositing User: Zulfa Sofyani Putri
Date Deposited: 28 Jan 2019 08:26
Last Modified: 28 Jan 2019 08:30
URI: http://digilib.uinsgd.ac.id/id/eprint/18371

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