Pengaruh Dana Pihak Ketiga, Capital Adequacy Ratio, Return On Asset, Biaya Operasional Pendapatan Operasional Terhadap Pembiayaan Mudharabah pada Bank Syariah Umum yang Terdaftar di Bank Indonesia Tahun 2015-2017

Saputra, Julian Tri (2020) Pengaruh Dana Pihak Ketiga, Capital Adequacy Ratio, Return On Asset, Biaya Operasional Pendapatan Operasional Terhadap Pembiayaan Mudharabah pada Bank Syariah Umum yang Terdaftar di Bank Indonesia Tahun 2015-2017. Undergraduate thesis, Universitas Internasional Batam.

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Abstract

Rumusan masalah dalam penelitian ini yaitu apakah dana pihak ketiga, capital adequacy ratio, return on asset, biaya operasional pendapatan operasional berpengaruh terhadap pembiayaan mudharabah pada Bank Umum Syariah yang terdaftar di Bank Indonesia tahun 2015-2017?. Adapun metode yang digunakan dalam penelitian ini adalah metode kuantitaif dengan sampel penelitian sebanyak 60 data penelitian laporan keuangan triwulan perbankan syariah. Penelitian dilakukan dengan proses pengumpulan laporan keuangan Perbankan Syariah pada www.ojk.go.id. Langkah pengolahan data dalam penelitian dilakukan dengan tahapan analisis asumsi klasik dengan menggunakan SPSS dan selanjutnya dilakukan analisis regresi serta pengujian hipotesis peenelitian. Berdasarkan hasil analisis dan pembahasan yang dilakukan dapat diketahui secara parsial Dana Pihak Ketiga memiliki pengaruh terhadap Pembiayaan Mudharabah, Capital Adequacy Ratio memiliki pengaruh terhadap Pembiayaan Mudharabah, Return On Asset tidak memiliki pengaruh yang signifikan terhadap Pembiayaan Mudharabah, BOPO memiliki pengaruh terhadap Pembiayaan Mudharabah. Besarnya pengaruh yang diberikan oleh variabel Dana Pihak Ketiga, Capital Adequacy Ratio, Return On Asset, dan BOPO terhadap Pembiayaan Mudharabah pada Bank Umum Syariah adalah sebesar 68,8%, sedangkan sisanya sebesar 31,2% adalah dipengaruhi oleh faktor lain ********************************************************************** The formulation of the problem in this research is whether third-party funds, capital adequacy ratio, return on assets, operational costs of operating income affect mudharabah financing at Islamic Banks registered at Bank Indonesia in 2015-2017 ?. The method used in this study is a quantitative method with a sample of 60 research data of Islamic financial quarterly research reports. The study was conducted with the process of collecting Islamic Banking financial statements on www.ojk.go.id. The data processing step in the study was carried out with the classical assumptions analysis stage using SPSS and subsequently performed regression analysis and research hypothesis testing. Based on the analysis and discussion conducted, it can be known partially that Third Party Funds have an influence on Mudharabah Financing, Capital Adequacy Ratio has an influence on Mudharabah Financing, Return On Asset has no significant effect on Mudharabah Financing, BOPO has an influence on Mudharabah Financing. The amount of influence given by the variable Third Party Funds, Capital Adequacy Ratio, Return On Assets, and BOPO on Mudharabah Financing at Sharia Commercial Banks is 68.8%, while the remaining 31.2% is influenced by other factors

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