ANALISIS PENGARUH BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO), NON PERFORMING FINANCING (NPF), DAN RETURN ON ASSET (ROA) TERHADAP SIMPANAN MUDHARABAH PADA BANK UMUM SYARIAH PERIODE 2010-2020

NAILUL, MUKLINA (2023) ANALISIS PENGARUH BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO), NON PERFORMING FINANCING (NPF), DAN RETURN ON ASSET (ROA) TERHADAP SIMPANAN MUDHARABAH PADA BANK UMUM SYARIAH PERIODE 2010-2020. Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Masyarakat yang memiliki ketertarikan menyimpan uangnya di bank pada dasarnya mengharap keamanan dana atau untuk mendapatkan keuntungan. Rumusan masalah dalam penelitian ini Apakah Biaya Operasional Pendapatan Operasional (BOPO), Non Performing Financing (NPF) dan Return On Asset (ROA) berpengaruh secara parsial dan simultan terhadap simpanan mudharabah pada Bank Umum Syariah periode 2010-2020?, dan Bagaimana ROA menurut prespektif islam?.Penelitian ini bertujuan mengetahui pengaruh Biaya Operasional Pendapatan Operasional (BOPO), Non performing financing (NPF) dan Return On Asset (ROA) secara simultan terhadap Simpanan Mudharabah pada Bank Umum Syariah periode 2010-2020 dan untuk mengetahui ROA menurut prespektif islam. Peneltian ini menggunakan penelitian kuantitatif dengan pendekatan deskriptif statistik. Sampel pada penelitian ini 7 Bank Umum Syariah di Indonesia periode 2010-2020. Teknik pengambilan sampel yang digunakan dalam penelitian ini adalah Teknik purposive sampling. Data dari laporan keuangan masing-masing Bank Umum Syariah dan data tersebut lengkap. Metode analisis data yang digunakan adalah uji asumsi klasik, estimasi data panel dan uji hipotesis. Pengolahan data dengan menggunakan program E-Views 12. Berdasarkan hasil uji parsial diperoleh bahwa variabel BOPO dan ROA berpengaruh signifikan bernilai positif terhadap Simpanan Mudharabah Bank Umum Syariah periode 2010-2020. Variabel NPF tidak berpengaruh signifikan terhadap simpanan mudharabah Bank Umum Syariah. Hasil uji simultan menunjukan variabel independen yaitu BOPO, NPF, ROA secara bersama-sama berpengaruh signifikan terhadap variabel dependen yaitu Simpanan Mudharabah Bank Umum Syariah. ROA menurut prespektif islam adalah tidak ada batasan penentuannya. Kata kunci: Biaya Operasional Pendapatan Operasional (BOPO), Non performing financing (NPF) dan Return On Asset (ROA) dan Simpanan Mudharabah ABSTRACT People who have an interest in saving money in a bank basically hope for security of funds or for profit. The formulation of the problem in this study Do Operational Costs Operating Income (BOPO), Non Performing Financing (NPF) and Return On Assets (ROA) partially and simultaneously affect mudharabah deposits in Islamic Commercial Banks for the 2010-2020 period?, and what is ROA according to perspective Islam?. This study aims to determine the effect of Operational Income Operating Costs (BOPO), Non�performing Financing (NPF) and Return On Assets (ROA) simultaneously on Mudharabah Savings at Islamic Commercial Banks for the 2010-2020 period and to determine ROA according to an Islamic perspective. This research uses quantitative research with a statistical descriptive approach. The sample in this study is 7 Islamic Commercial Banks in Indonesia for the 2010-2020 period. The sampling technique used in this study was purposive sampling technique. Data from the financial reports of each Islamic Commercial Bank and the data is complete. The data analysis method used is the classical assumption test, panel data estimation and hypothesis testing. Data processing using the E-Views 12 program. Based on the results of the partial test, it was found that the BOPO and ROA variables had a significant positive value on Mudharabah Deposits of Islamic Commercial Banks for the 2010- 2020 period. The NPF variable has no significant effect on mudharabah deposits of Islamic Commercial Banks. The results of the simultaneous test show that the independent variables, namely BOPO, NPF, ROA, together have a significant effect on the dependent variable, namely Mudharabah Deposits of Islamic Commercial Banks. ROA according to an Islamic perspective is that there is no limit to its determination. Keywords : Operational Costs on Operating Income (BOPO), Non Performing Financing (NPF) and Return On Asset (ROA) and Mudharabah Deposits

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