Analisis Pengaruh Dana Pihak Ketiga, Capital Adequacy Ratio, Non Performing Financing, Dan Return On Asset Terhadap Pembiayaan Pada Bank Umum Syariah Periode 2009-2013

Rahmi Fajrianti

Abstract

Abstrak Penelitian ini dilakukan untuk mengetahui Pengaruh Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), dan Return On Asset (ROA) terhadap Pembiayaan pada Bank Umum Syariah Periode 2009-2013 secara simultan dan parsial. Tujuan penelitian ini adalah untuk (1) mengetahui perkembangan rasio DPK, CAR, NPF, dan ROA; (2) mengetahui pengaruh rasio DPK, CAR, NPF, dan ROA secara simultan terhadap pembiayaan; dan (3) mengetahui pengaruh rasio DPK, CAR, NPF, dan ROA secara parsial terhadap pembiayaan pada Bank Umum Syariah periode 2009-2013. Unit analisis penelitian ini adalah laporan keuangan triwulan Bank Umum Syariah periode 2009-2013. Metode penelitian yang dilakukan adalah metode deskriptif verifikatif dengan tipe analisis regresi data panel. Dari hasil analisis regresi data panel, didapatkan seberapa besar nilai pengaruh DPK, CAR, NPF, dan ROA terhadap pembiayaan. Lalu dilakukan uji F untuk pengujian hipotesis secara simultan dan uji t untuk pengujian hipotesis secara parsial. Dari hasil penelitian, diperoleh bahwa DPK, CAR, NPF, dan ROA secara simultan mempengaruhi pembiayaan. Keempat variabel tersebut mampu menjelaskan variabel pembiayaan sebesar 99.56%, sisanya sebesar 0.44% dijelaskan oleh faktor lain. Berdasarkan uji t, variabel DPK dan NPF berpengaruh signifikan terhadap pembiayaan dengan p-valuesebesar 0.0000 dan 0.0012 (<5%), sementara variabel CAR dan ROA dengan p-value sebesar 0.5875 dan 0.9683 (>5%) sehingga tidak berpengaruh signifikan terhadap variabel pembiayaan. Kata Kunci: Dana Pihak Ketiga, Capital Adequacy Ratio, Non Performing Financing, Retun On Asset, Pembiayaan Abstract This research is to determine the extent of the Third Party Funds (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), and Return On Asset (ROA) to the amount of financing Islamic Banking on 2009-2013 period simultaneously and partially. The purpose of this research was to (1)determine the development of DPK, CAR, NPF, and ROA ratio; (2) the effect of DPK, CAR, NPF, and ROA ratio against financing simultaneously; and (3) the effect of the DPK, CAR, NPF, and ROA ratio against the financing of Islamic Banks on the 2009-2013 period partially. Theanalysis unit of this study is the quarterly financial statements of Islamic Banks 2009-2013 period. The research method was descriptive verification method with the type of panel data regression analysis. From the results of the panel data regression analysis, it was found how much value the influence of DPK, CAR, NPF, and ROA on financing. Then, the F test for simultaneous hypothesis testing and the t test for testing the hypothesis partially. From the research, found that DPK, CAR, NPF, and ROA simultaneously affect the financing. The four variables are able to explain the financing of 99.56% variable, while the remaining 0:44% explained by other factors. Based on t test, DPK and NPF variables significantly influence the p-financing amounting to 0.0000 and 0.0012 value¬ (<5%), while the CAR and ROA variables with p-value of 0.5875 and 0.9683 (> 5%) that did not significantly influence the financing variables. Keywords: Third Party Funds, Capital Adequacy Ratio, Non Performing Financing, Return On Asset, Financing

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