DETERMINAN FINANCIAL SUSTAINABILITY RATIO BANK UMUM SYARIAH DI INDONESIA

SALSABILLA, MUTIA FORTUNA (2025) DETERMINAN FINANCIAL SUSTAINABILITY RATIO BANK UMUM SYARIAH DI INDONESIA. Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Penelitian ini bertujuan untuk menguji apakah terdapat pengaruh Non Performing Financing dan Capital Adequacy Ratio Terhadap Financial Sustainability Ratio. Populasi dalam penelitian ini adalah bank umum syariah Di Indonesia yang terdaftar di OJK, yakni terdapat 14 bank. Jumlah sampel dalam penelitian ini sebanyak 9 sampel bank dengan kualifikasi berdasarkan karakteristik tertentu. Teknik pengambilan sampel yang digunakan adalah purposive sampling. Jenis penelitian yang diterapkan adalah kuantitatif dengan menggunakan data sekunder. Analisis data dilakukan dengan metode analisis data panel menggunakan EViews 10. Penelitian ini memberikan bukti empiris bahwa variable Non Performing Financing tidak berpengaruh terhadap Financial Sustainability Ratio, akan tetapi Capital Adequacy Ratio berpengaruh positif dan signifikan terhadap Financial Sustainability Ratio. Secara simultan variable Non Performing Financing dan Capital Adequacy Ratio berpengaruh secara signifikan terhadap Financial Performance Ratio pada Bank Umum Syariah Di Indonesia tahun 2019-2023. Kata kunci: Non Performing Financing, Capital Adequacy Ratio, dan Financial Sustainability Ratio ABSTRACT This Study aims to test whetever there is an influence of Non Performing Financing and Capital Adequacy Ratio, on Financial Sustainability Ratio. The population in this study is Islamic commercial banks in Indonesia that are registered with the OJK, namely there are 1 2 14 banks. The number of samples in this study is 9 samples bank with qualifications based on certain characteristic. The sampling technique uses the purposive sampling method. The research method used is quantitative with data sources in the form of secondary data. The data analysis method uses panel data sources in the form of secondary data. The result of this study provide empirical evidence the Non-Performing Financing variable has no effect on the Financial Sustainability Ratio, but the Capital Adequacy Ratio has a significant positive effect on the Financial Sustainability Ratio. Simultaneously the variables Non Performing Financing and Capital Adequacy Ratio have a significant effect to the Financial Sustainability Ratio of Sharia Commercial Banks in Indonesia in 2019-2023. Keywords: Non Performing Financing, Cpital Adequacy Ratio, and Financial Sustainability Ratio

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