ANALISIS PENGARUH LIKUIDITAS DAN PROFITABILITAS TERHADAP KECUKUPAN MODAL BANK BNI SYARIAH

• Main Author: Rosikhotul Iman, - (Author)
• Format: Book
• Published: 2017-12-27.
• Subjects: Thesis; NonPeerReviewed
• Online Access: Link Metadata
• Notes: http://repository.upi.edu/33641/1/FPEB_S_IEKI_1304016_Title.pdf; http://repository.upi.edu/33641/2/FPEB_S_IEKI_1304016_Abstract.pdf; http://repository.upi.edu/33641/3/FPEB_S_IEKI_1304016_Table_of_Content.pdf; http://repository.upi.edu/33641/4/FPEB_S_IEKI_1304016_Chapter1.pdf; http://repository.upi.edu/33641/5/FPEB_S_IEKI_1304016_Chapter2.pdf; http://repository.upi.edu/33641/6/FPEB_S_IEKI_1304016_Chapter3.pdf; http://repository.upi.edu/33641/7/FPEB_S_IEKI_1304016_Chapter4.pdf; http://repository.upi.edu/33641/8/FPEB_S_IEKI_1304016_Chapter5.pdf; http://repository.upi.edu/33641/9/FPEB_S_IEKI_1304016_Bibliography.pdf; http://repository.upi.edu/33641/10/FPEB_S_IEKI_1304016_Appendix.pdf
• Keywords: HG Finance; HJ Public Finance

Penelitian ini dilatarbelakangi karena tingkat kecukupan modal yang diukur dengan Capital Adequacy Ratio (CAR) pada Bank BNI Syariah yang mengalami penurunan. Penelitian ini bertujuan untuk menguji pengaruh likuiditas yang diukur dengan Financing to Deposit Ratio (FDR) dan profitabilitas yang diukur dengan Return On Asset (ROA) terhadap kecukupan modal yang diukur dengan Capital Adequacy Ratio (CAR). Adapun pendekatan penelitian yang digunakan yaitu pendekatan kuantitatif. Populasi penelitian adalah laporan keuangan PT Bank BNI Syariah, Tbk sejak tahun 2010-2017. Sampel penelitian yaitu 30 laporan keuangan periode triwulan sejak tahun 2010-2017. Teknik analisis data yang digunakan adalah regresi linier berganda dilengkapi uji asumsi klasik normalitas, multikolinieritas, heteroskedasitas dan auto korelasi. Hipotesis diuji menggunakan uji t dan uji F dengan tingkat signifikansi 5%. Adapun hasil penelitian menyatakan bahwa FDR tidak berpengaruh terhadap CAR dan ROA berpengaruh negatif terhadap CAR. Sementara secara bersama-sama FDR dan ROA berpengaruh signifikan terhadap CAR. Koefisien determinasi menunjukkan bahwa dalam model regresi sebesar 22,4% perubahan variabel CAR disebabkan kedua variabel dependen yang diteliti yaitu FDR dan ROA, sedangkan sisanya 77,6% dipengaruhi oleh faktor lain yang tidak dimasukkan ke dalam model penelitian.---This research is motivated because of the level of capital adequacy as measured Capital Adequacy Ratio (CAR) of Bank BNI Syariah is always decreased. The aim of this study is to examine the influence of liquidity as measured by the Financing od Deposit Ratio (FDR) and profitability as measured by Return On Assets (ROA) against capital adequacy as measured by Capital Adequacy Ratio (CAR). The research approach is a quantitative approach. The population of research is the annual report of PT Bank BNI Syariah, Tbk since 2010-2017. The samples are 30 quarterly period annual reports since 2010-2017. Data analysis is done by multiple linear regressions as a statistics tool with classical assumption test such as normality, multicollinearity, heteroskedasticity and auto correlation. Hypotheses test used t-statistic and f-statistic at level significance 5%. The result shows that FDR is have not influence on CAR and ROA have a negative influence on CAR. However, FDR and ROA have a significant influence to CAR simultaneously. Based on coefficient determination showed, all independent variables have 22.4% contribution value toward CAR.