ANALISIS DANA PIHAK KETIGA, NON PERFORMING FINANCING, DAN CAPITAL ADEQUACY RATIO TERHADAPPENYALURAN PEMBIAYAAN BANK UMUM SYARIAH DI INDONESIA PERIODE 2018-2022

Tiara, Muali (2024) ANALISIS DANA PIHAK KETIGA, NON PERFORMING FINANCING, DAN CAPITAL ADEQUACY RATIO TERHADAPPENYALURAN PEMBIAYAAN BANK UMUM SYARIAH DI INDONESIA PERIODE 2018-2022. Diploma thesis, UIN Raden Intan Lampung.

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Abstract

ABSTRAK Rumusan masalah dalam penelitian ini yaitu apakah ananlisis dana pihak ketiga, non performing financing dan capital adequacy ratio berpengaruh terhadap penyaluran pembiayan bank umum syariah di indonesia periode 2018-2022. Penelitian ini bertujuan untuk mengethui dn menganalisis apakah dana pihak ketiga, non performing financing dan capital adequacy ratio berpengaruh secara parsial dan simultan terhadap penyaluran pembiayaan bank umum syariah di indonesia periode 2018-2022. Penelitian ini menggunakan pendekatan deskriptif kuantitatif. Metode analisis yang digunakan adalah analisis regresi data panel yaitu uji chow, uji hausman dan uji lagrange multiplier. Pengujian hipotesis menggunakan uji t, uji f dan uji koefisien determinasi. Hasil pengujian dari uji chow, uji hausman dan uji lagrange multiplier maka yang terbaik dalam penelitian ini adalah Random Effect Model. Hasil dari uji t adalah DPK berpengaruh positif terhadap penyaluran pembiayaan, NPF tidak berpengruh terhadap penyaluran pembiayaan dan CAR tidak berpengaruh terhadap penyaluran pembiayaan bank umum syariah. Hasil dari uji f berpengaruh simultan terhadap penyaluran pembiayaan. Berdasarkan hasil nilai koefisien determinasi sebesar 62,5% yang artinya variabel pembiayaan dapat dijelaskan oleh DPK, NPF dan CAR sedangkan sisanya yaitu 37,5% dijelaskan pada variabel lain. Kata Kunci : Dana Pihak Ketiga (DPK), Non Performing Financing (NPF), Capital adequacy ratio (CAR), pembiayaan. ABSTRACT The research problem in this study is whether the analysis of third-party funds, non-performing financing, and capital adequacy ratio affects the distribution of financing by Islamic commercial banks in Indonesia for the period of 2018-2022. This study aims to identify and analyze whether third-party funds, non-performing financing, and capital adequacy ratio have a partial and simultaneous effect on the distribution of financing by Islamic commercial banks in Indonesia for the period of 2018-2022. This research uses a descriptive quantitative approach. The analytical method employed is panel data regression analysis, including the Chow test, Hausman test, and Lagrange Multiplier test. Hypothesis testing is carried out using the t-test, f-test, and coefficient of determination test. The results from the Chow test, Hausman test, and Lagrange Multiplier test indicate that the best model for this research is the Random Effect Model. The results of the t-test show that third-party funds (DPK) have a positive effect on the distribution of financing, non-performing financing (NPF) does not affect the distribution of financing, and the capital adequacy ratio (CAR) does not affect the distribution of financing by Islamic commercial banks. The results of the f-test show a simultaneous effect on the distribution of financing. Based on the coefficient of determination value of 62.5%, it means that the financing variable can be explained by DPK, NPF, and CAR, while the remaining 37.5% is explained by other variables. Keywords: Third-Party Funds (DPK), Non-Performing Financing (NPF), Capital Adequacy Ratio (CAR), Financing.

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