Analisis Pengaruh Dana Pihak Ketiga (DPK), Non Performing Financing (NPF) dan Return On Asset (ROA) terhadap Pembiayaan di PT Bank Muamalat Indonesia Tbk
DOI:
https://doi.org/10.24090/ej.v9i2.5170Keywords:
Dana Pihak Ketiga (DPK), Non Performing Financing (NPF) dan Return On Asset (ROA) dan Pembiayaan.Abstract
ABSTRACT This study aims to determine how the influence of Third Party Funds (DPK), Non Performing Financing (NPF) and Return On Assets (ROA) on Financing at PT Bank Muamalat Indonesia Tbk Period 2016-2020. The data used in this study is secondary data, namely the quarterly Financial Statements of PT Bank Muamalat Indonesia for 2016-2020 which were obtained through the official website of PT Bank Muamalat Indonesia Tbk. Data analysis using multiple linear regression analysis techniques which previously tested the classical assumption test. Hypothesis testing is done by using t test for partial testing, F test for simultaneous testing (together) and the Coefficient of Determination (R2). During the observation period, it shows that the research data is normally distributed. Based on the classical assumption test, autocorrelation symptoms were found in the variables from the classical assumption test, so it was necessary to transform the data. The results showed that: 1) DPK had a partial positive effect on Financing at PT Bank Muamalat Indonesia Tbk, 2) NPF had no partially negative effect on Financing at PT Bank Muamalat Indonesia Tbk, and 3) ROA had no partial positive effect on Financing at PT Bank Muamalat Indonesia Tbk. PT Bank Muamalat Indonesia Tbk, 4) DPK, NPF and ROA have no effect on financing at PT Bank Muamalat Indonesia Tbk. Keywords: Third Party Funds (DPK), Non Performing Financing (NPF) and Return On Assets (ROA) and Financing.References
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www.bankmuamalat.co.id diakses pada tanggal 17 Maret 2021 pukul 10:20.
www.ojk.go.id diakses pada tanggal 17 Maret 2021 pukul 17:13.
Aziza, R. V., & Mulazid, A. S. (2017). “Analisis Pengaruh Dana Pihak Ketiga, Non Performing Financing, Capital Adequacy Ratio, Modal Sendiri dan Marjin Keuntungan terhadap Pembiayaan Murabahahâ€. Jurnal Ekonomi dan Bisnis Islam, II(1).
Destiana, R. (2016). “Analisis Dana Pihak Ketiga dan Risiko Terhadap Pembiayaan Mudharabah dan Musyarakah Pada Bank Syariah di Indonesiaâ€. Jurnal Logika, XVII(2), 42-54.
Erlita, R. R. (2016). “Pengaruh DPK, NPF, CAR, Ekuivalen Bagi Hasil, dan Sertifikat IMA Terhadap Pembiayaan Bank Umum Syariah Tahun 2012-2014â€. Jurnal Kajian Bisnis, 167-180.
Ghozali, Imam (2005). Analisis Multivariate Dengan Program SPSS. Semarang: Badan Penerbit Universitas Diponegoro.
Khotimah, A. K. (2019). “Pengaruh Dana Pihak Ketiga, Financing to Deposit Ratio, Captal Adequancy Ratio, dan Non Performing Financing Terhadap Profitabilitas dengan Pembiayaan sebagai Variabel Intervening (Studi Kasus Pada Bank Umum Syariah Periode 2013-2017)â€. Skripsi. Salatiga: IAIN Salatiga
Muhammad. (2004). Teknik Perhitungan Bagi Hasil dan Profit Margin pada Bank Syariah. Yogyakarta: UII Press.
Muhammad. (2017). Metodologi Penelitian Ekonomi Islam: Pendekatan Kuantitatif. Bandung: PT RajaGrafindo Persada.
Ovami, D. C., & Thohari, A. A. (2018). “Pengaruh Dana Pihak Ketiga Dan Non Performing Financing Terhadap Pembiayaan Musyarakahâ€. Jurnal Penelitian Pendidikan Sosial Humaniora, III(1).
Pasaribu, D. O. (2019). “Pengaruh FDR, NPF, ROA dan BOPO Terhadap Pembiayaan Mudharabah Bank Umum Syariah di Indonesiaâ€. Tesis. Medan: Universitas Muhammadiyah Sumatera Utara.
Riyadi, S., & Rafii, R. M. (2018). “Pengaruh Dana Pihak Ketiga, Capital Adequacy Ratio, Bi Rate, Dan Financing To Deposit Ratio Terhadap Pembiayaan Murabahah Pada Bank Syariah Di Indonesiaâ€. Perbanas Review, III(2), 65-82.
Setiawan, Ulin Nuha Aji dan Astiwi Indriani. (2016). “Pengaruh Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), dan Non Performing Financing (NPF) terhadap Profitabilitas Bank Syariah dengan Pembiayaan sebagai Variabel Interveningâ€. Diponegoro Journal Of Management. Volume 5, Nomor 4, Hal: 1-11.
Sugiyono. (2016). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung: ALFABETA.
Supranto, J. (2008). Statistik Teori dan Aplikasi: Edisi Ketujuh Jilid 1. Jakarta: Erlangga.
www.bankmuamalat.co.id diakses pada tanggal 17 Maret 2021 pukul 10:20.
www.ojk.go.id diakses pada tanggal 17 Maret 2021 pukul 17:13.
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Published
2021-11-10
How to Cite
Wahyuningtyas, I. P., & Utami, V. F. (2021). Analisis Pengaruh Dana Pihak Ketiga (DPK), Non Performing Financing (NPF) dan Return On Asset (ROA) terhadap Pembiayaan di PT Bank Muamalat Indonesia Tbk. El-Jizya : Jurnal Ekonomi Islam, 9(2), 171–185. https://doi.org/10.24090/ej.v9i2.5170
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