PENGARUH LIQUIDITY RATIO, FINANCING RISK RATIO, PRIMARY RATIO DAN COMPANY SIZE TERHADAP PROFITABILITY (Studi Kasus Pada Bank Umum Syariah di Indonesia Periode 2016-2019)

PUSPITA, ARUMNI (2022) PENGARUH LIQUIDITY RATIO, FINANCING RISK RATIO, PRIMARY RATIO DAN COMPANY SIZE TERHADAP PROFITABILITY (Studi Kasus Pada Bank Umum Syariah di Indonesia Periode 2016-2019). Undergraduate thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Penelitian ini bertujuan untuk mengetahui bagaimana pengaruh liquidity ratio financing risk ratio, primary ratio, company size, terhadap profitability baik secara parsial dan simultan. Indikator yang digunakan dalam liquidity ratio menggunakan FDR (Financing to Deposit Ratio), untuk mengukur financing risk ratio menggunakan NPF (Non Performing Financing), untuk mengukur primary ratio menggunakan EAR (Equity to Total Asset Ratio),dan untuk company size menggunakan Ln (Total Asset). Variabel dependen dari penelitian ini menggunakan Profitability menggunakan ROA (RetrunOn Asset). Jenis penelitian ini menggunakan penelitian kuantitatif. Populasi dari penelitian ini adalah 14 perbankan syariah yang terdaftar di Indonesia tahun 2016-2019. Metode penentuan sempel menggunakan purposive sampel yang didapatkan 12 perbankan syariah dengan jumlah penelitian 4 tahun maka jumlah seluruh sempel yang terdapat dalam penelitian ini berjumlah 48 perusahaan. variabel dependen yang digunakan dalam penelitian ini adalah profitability. Variabel independen yang digunakan dalam penelitian ini adalah liqudity ratio, financing risk ratio, primary ratio, dan company size.Teknik analisis data yang digunakan adalah dengan menggunakan linier berganda, uji asumsi klasik, dan uji hipotesis (Uji t, uji f dan uji koefisien determinasi) pengelolaan data menggunakan Eviews 10. Hasil penelitian ini menunnjukkan bahwa secara parsial, variabel liquidity ratio, primary ratio, perpengaruh negatif terhadap profitability, dan financing risk ratio memiliki pengaruh yang negatif dan berpengaruh signifikan. Variabel independen secara simultan menunjukkan bahwa liqudity ratio, financing risk ratio, primary ratio, dan company size secara bersama-sama tidak memiliki pengaruh signifikan terhadap profitability. Variabel independen (liqudity ratio, financing risk ratio, primary ratio, dan company size) tidak mampu menjelaskan variabel dependen profitability dan masih banyak dijelaskan oleh variabel yang tidak dijelaskan dalam model penelitian ini. Kata kunci : liquidity ratio, financing risk ratio, primary ratio, company size, profitability. ii ABSTRACT This study aims to determine how the influence of liquidity ratio financing risk ratio, primary ratio, company size, on profitability both partially and simultaneously. The indicators used in the liquidity ratio use FDR (Financing to Deposit Ratio), to measure the financing risk ratio using NPF (Non Performing Financing), to measure the primary ratio using EAR (Equity to Total Asset Ratio), and for company size using Ln (Total assets). The dependent variable of this study uses Profitability using ROA (RetrunOn Assets). This type of research uses quantitative research. The population of this study were 14 registered Islamic banks in Indonesia in 2016-2019. The method of determining the sample using a purposive sample obtained 12 Islamic banks with a total of 4 years of research, the total number of samples contained in this study amounted to 48 companies. the dependent variable used in this study is profitability. The independent variables used in this research are liquidity ratio, financing risk ratio, primary ratio, and company size. The data analysis technique used is multiple linear, classical assumption test, and hypothesis testing (t test, f test and coefficient of determination test). Data management uses Eviews 10. The results of this study indicate that partially, the liquidity ratio, primary ratio, negative influence on profitability, and financing risk ratio have a negative and significant effect. The independent variables simultaneously show that the liquidity ratio, financing risk ratio, primary ratio, and company size together have no significant effect on profitability. The independent variables (liqudity ratio, financing risk ratio, primary ratio, and company size) are not able to explain the dependent variable profitability and are still mostly explained by variables that are not explained in this research model. Keywords : liquidity ratio, financing risk ratio, primary ratio, company size, profitabilitas

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