ANALISIS DETERMINAN FINANCIALDISTRESS DENGAN MENGGUNAKAN METODE ARTIFICIAL NEURAL NETWORK DALAM PERSPEKTIF EKONOMI ISLAM (Studi Pada Bank Umum Syariah di Indonesia Periode 2018-2020)

RIKA, MAWARNI (2022) ANALISIS DETERMINAN FINANCIALDISTRESS DENGAN MENGGUNAKAN METODE ARTIFICIAL NEURAL NETWORK DALAM PERSPEKTIF EKONOMI ISLAM (Studi Pada Bank Umum Syariah di Indonesia Periode 2018-2020). Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Rasio profitabilitas bank umum syariah mengalami penurunan secara terus menerus sejak pertengahan tahun 2020 yang disebabkan penurunan laba akibat perlambatan ekonomi pada saat pemberlakuan pembatasan aktivitas karena pandemi Covid-19. Apabila penurunan profitabilitas tidak segera diatasi, maka dapat menyebabkan bank umum syariah mengalami financial distress. Permasalahan yang dikaji dalam penelitian ini adalah bagaimana pengaruh dari rasio Non Performing Financing (NPF), Financing to Deposit Ratio (FDR) dan Biaya Operasional Pendapatan Operasional (BOPO) terhadap tingkat Financial Distress dengan menggunakan metode Artificial Neural Network dalam perspektif Ekonomi Islam. Tujuan penelitian ini adalah untuk menjelaskan pengaruh rasio Non Performing Financing (NPF), Financing to Deposit Ratio (FDR) dan Biaya Operasional Pendapatan Operasional (BOPO) terhadap tingkat Financial Distress dengan menggunakan metode Artificial Neural Network dalam perspektif Ekonomi Islam. Teori yang digunakan dalam penelitian ini adalah teori Trade Off dan Signaling. Penelitian ini menggunakan jenis penelitian kuantitatif dengan pendekatan deskriptif. Teknik pengambilan sampel yang digunakan dalam penelitian ini yaitu teknik purposive sampling. Jumlah perusahaan yang menjadi sampel dalam penelitian ini yaitu 11 perusahaan dengan jumlah sampel 33. Metode analisis data yang digunakan adalah analisis regresi linier berganda dengan bantuan program SPSS 23. Hasil penelitian ini menunjukkan bahwa variabel Non Performing Financing (NPF),Financing to Deposit Ratio (FDR) dan Biaya Operasional Pendapatan Operasional (BOPO) berpengaruh terhadap Financial Distress yang diuji dengan menggunakan metode Artificial Neural Network dalam persepektif Ekonomi Islam. Kata Kunci : Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Biaya Operasional Pendapatan Operasional (BOPO) dan Financial Distress. ABSTRACT The profitability ratios of Islamic commercial banks have decreased continuously since mid-2020 due to a decline in profits due to the economic slowdown during the implementation of activity restrictions due to the Covid-19 pandemic. If the decline in profitability is not immediately addressed, it can cause Islamic commercial banks to experience financial distress. The problem studied in this research is how the influence of the ratio of Non Performing Financing (NPF), Financing to Deposit Ratio (FDR) and Operating Costs of Operating Income (BOPO) on the level of Financial Distress by using the Artificial Neural Network method in the perspective of Islamic Economics. The purpose of this study is to explain the effect of the ratio of Non Performing Financing (NPF), Financing to Deposit Ratio (FDR) and Operating Costs of Operating Income (BOPO) on the level of Financial Distress by using the Artificial Neural Network method in the perspective of Islamic Economics. The theory used in this research is the theory of Trade Off and Signaling. This research uses quantitative research with a descriptive approach. The sampling technique used in this research is purposive sampling technique. The number of companies that were sampled in this study were 11 companies with a total sample of 33. The data analysis method used was multiple linear regression analysis with the help of the SPSS 23 program. The results of this study indicate that the variables of Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), and Operating Costs of Operating Income (BOPO) have an effect on Financial Distress which is tested using the Artificial Neural Network method in the perspective of Islamic Economics. Keywords: Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR), Operating Income Operating Costs (BOPO) and Financial Distress.

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