PENGARUH INFLASI DAN LIQUIDITY RISK TERHADAP STABILITAS BANK DENGAN OPERATIONAL EFFICIENCY SEBAGAI VARIABEL INTERVENING PADA BANK UMUM SYARIAH TAHUN 2019-2022

Nabilla, Kisti (2024) PENGARUH INFLASI DAN LIQUIDITY RISK TERHADAP STABILITAS BANK DENGAN OPERATIONAL EFFICIENCY SEBAGAI VARIABEL INTERVENING PADA BANK UMUM SYARIAH TAHUN 2019-2022. Diploma thesis, UIN Raden Intan Lampung.

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Abstract

ABSTRAK Penelitian ini melatarbelakangi tentang perkembangan Bank Syariah. Sistem keuangan memegang peranan yang sangat penting dalam perbankan ditengah kondisi ekonomi yang tidak stabil. Stabilitas sistem keuangan dapat didefinisikan sebagai suatu kondisi yang memungkinkan sistem keuangan nasional berfungsi secara efektif dan efisien serta mampu bertahan terhadap kerentanan internal dan eksternal sehingga alokasi sumber pendanaan atau pembiayaan dapat berkontribusi pada pertumbuhan dan stabilitas perekonomian nasional. Penelitian bertujuan untuk mengetahui pengaruh antara variabel Inflasi dan Liquidity Risk terhadap Stabilitas Bank dengan Operational Efficiency sebagai variabelintervening pada Bank Umum Syariah. Metode penelitian yang digunakan analisis deskriptif dengan pendekatan kuantitatif. Jenis data yang digunakan adalah data sekunder yang diambil dari website resmi Otoritas Jasa Keuangan dan Bank Indonesia. Metode analisis data yang digunakan dalam penelitian ini adalah analisis deskriptif, uji asumsi klasik, uji path analysis dan uji hipotesis dengan menggunakan alat analisis data SPSS 25. Hasil penelitian ini menunjukkan bahwa Inflasi berpengaruh positif dan signifikan terhadap Stabilitas Bank. Liquidity Risk (FDR) berpengaruh negatif dan signifikan terhadap Stabilitas bank. Inflasi berpengaruh negatif terhadap Operational Efficiency (BOPO). Liquidity Risk (FDR) berpengaruh positif terhadap Operational Efficiency (BOPO). Operational Efficiency (BOPO) tidak berpengaruh terhadap Stabilitas Bank. Operational Efficiency (BOPO) mampu memediasi hubungan antara pengaruh Inflasi terhadap Stabilitas Bank. Operational Efficiency (BOPO) tidak mampu memediasi hubungan antara pengaruh Liquidity Risk (FDR) terhadap Stabilitas Bank. Kata Kunci: Inflasi, Liquidity Risk, Stabilitas Bank, Operational Efficiency. iii ABSTRACT This study is motivated by the development of Islamic banks. The financial system plays a very important role in banking in the midst of an unstable economic condition. Financial system stability can be defined as a condition that allows the national financial system to function effectively and efficiently and is able to withstand internal and external vulnerabilities so that the allocation of funding or financing sources can contribute to the growth and stability of the national economy. This study aims to determine the influence of the variables Inflation and Liquidity Risk on Bank Stability with Operational Efficiency as an intervening variable in Islamic Commercial Banks. The research method utilized is descriptive analysis with a quantitative approach. The type of data used is secondary data taken from the official website of the Financial Services Authority and Bank Indonesia. The data analysis method used in this study is descriptive analysis, classical assumption test, path analysis test, and hypothesis test using SPSS 25 data analysis tool. The results of this study indicate that Inflation has a positive and significant effect on Bank Stability. Liquidity Risk (FDR) has a negative and significant effect on Bank Stability. Inflation has a negative effect on Operational Efficiency (BOPO). Liquidity Risk (FDR) has a positive effect on Operational Efficiency (BOPO). Operational Efficiency (BOPO) does not affect Bank Stability. Operational Efficiency (BOPO) is able to mediate the relationship between the effect of Inflation on Bank Stability. Operational Efficiency (BOPO) is unable to mediate the relationship between the effect of Liquidity Risk (FDR) on Bank Stability. Keywords: Inflation, Liquidity Risk, Bank Stability, Operational Efficiency.

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