A N A L I S I S P E N G A R U H N O N P E R F O R M I N G FINANCING (NPF), RETURN ON ASSET (ROA), FINANCING TO DEPOSITO RATIO (FDR), DAN BI 7- DAY REPO RATE TERHADAP DANA PIHAK KETIGA (DPK) DALAM PERSPEKTIF ISLAM (Studi Pada Bank Umum Syariah)

Vinka, Sari Dewi (2024) A N A L I S I S P E N G A R U H N O N P E R F O R M I N G FINANCING (NPF), RETURN ON ASSET (ROA), FINANCING TO DEPOSITO RATIO (FDR), DAN BI 7- DAY REPO RATE TERHADAP DANA PIHAK KETIGA (DPK) DALAM PERSPEKTIF ISLAM (Studi Pada Bank Umum Syariah). Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Bank yang sehat adalah bank yang mampu mengelola asset dengan baik sehingga menghasilkan profitabilitas yang tinggi. Dana yang diberikan nasabah berupa tabungan, deposito, maupun giro. Jika bank mampu mengelolanya dengan baik dan nasabah mampu memenuhi kewajibannya terhadap bank, maka laba akan semakin tinggi sehingga kecil kemungkinan akan mengalami kesulitan likuiditas. Rumusan masalah dari penelitian ini adalah apakah Non Performing Financing, Return On Asset, Financing To Deposito Ratio, dan BI 7-Day Repo Rate berpengaruh secara parsial terhadap dana pihak ketiga dan apakah Non Performing Financing, Return On Asset, Financing To Deposito Ratio, dan BI 7-Day Repo Rate berpengaruh secara stimultan terhadap dana pihak ketiga. Tujuan penelitian ini untuk menguji dan menganalisis pengaruh Non Performing Financing, Return On Asset, Financing To Deposito Ratio, dan BI 7-Day Repo Rate berpengaruh secara parsial dan stimultan terhadap dana pihak ketiga.Penelitian ini menggunakan populasi sekaligus sampel 10 BUS yang memenuhi kriteria dengan periode tahun 2018-2022. Penelitian ini menggunakan data kuantitatif. Variabel independen penelitian ini yaitu NPF,ROA, FDR, BI 7-Day Repo Rate, sedangkan variabel dependen yaitu dana pihak ketiga. Hasil penelitian secara parsial menunjukkan bahwa rasio keuangan yang berpengaruh negatif dan signifikan yaitu FDR dan BI 7-Day Repo Rate. Sedangankan yang tidak berpengaruh yaitu rasio ROA dan NPF. Dengan meningkatnya NPF tidak diikuti dengan meningkatnya DPK. Karena semakin banyak pembiayaan bermasalah maka akan semakin buruk pula kualitas asetnya, sehingga masyarakat akan ragu untuk menyalurkan dananya. Sedangkan FDR berpengaruh negative dan signifikan terhadap dana pihak ketiga, artinya semakin tinggi rasio FDR maka akan semakin rendah, karna deposan khawatir bank tidak mampu mengembalikan dananya. Kata kunci : Non Performing Financing, Return On Asset, Financing To Deposito Ratio, BI 7-Day Repo Rate, dan dana pihak ketiga. iv ABSTRACT A healthy bank is a bank that is able to manage assets well so as to produce high profitability. Funds provided by customers are in the form of savings, deposits and current accounts. If the bank is able to manage it well and customers are able to fulfill their obligations to the bank, then profits will be higher so there is less chance of experiencing liquidity problems. The problem formulation of this research is whether Non�Performing Financing, Return On Assets, Financing To Deposit Ratio, and BI 7-Day Repo Rate have a partial effect on third party funds. The aim of this research is to test and analyze the influence of Non Performing Financing, Return On Assets, Financing To Deposit Ratio, and BI 7-Day Repo Rate partially on third party funds. This research uses a population as well as a sample of 10 BUS that meet the criteria for a year period. 2018-2022. This research uses quantitative data. The independent variables of this research are NPF, ROA, FDR, BI 7-Day Repo Rate, while the dependent variable is third party funds. The partial research results show that the financial ratios that have a negative and significant effect are FDR and BI 7-Day Repo Rate. Meanwhile, what has no effect is the ROA and NPF ratio. The increase in NPF is not followed by an increase in DPK. Because the more problematic financing there is, the worse the asset quality will be, so people will be hesitant to channel their funds. Meanwhile, FDR has a negative and significant effect on third party funds, meaning that the higher the FDR ratio, the lower it will be, because depositors are worried that the bank will not be able to return their funds. Keywords: Non Performing Financing, Return On Assets, Financing To Deposit Ratio, BI 7-Day Repo Rate, and third party funds

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