PENGARUH CAPITAL ADEQUACY RATIO (CAR), FINANCING TO DEPOSIT RATIO (FDR), DAN BEBAN OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) TERHADAP NON PERFORMING FINANCING (NPF) PADA BPRS DI INDONESIA TAHUN 2014-2023

EVI, YUNIDA (2025) PENGARUH CAPITAL ADEQUACY RATIO (CAR), FINANCING TO DEPOSIT RATIO (FDR), DAN BEBAN OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) TERHADAP NON PERFORMING FINANCING (NPF) PADA BPRS DI INDONESIA TAHUN 2014-2023. Diploma thesis, UIN Raden Intan Lampung.

	PDF Download (1MB)
	PDF Restricted to Repository staff only Download (1MB)

Abstract

ABSTRAK Non Performing Financing adalah pembiayaan yang telah disalurkan oleh Bank dan nasabah tidak dapat melakukan pembayaran atau melakukan angsuran sesui dengan perjanjian yang telah ditandatangani oleh Bank dan nasabah. Penelitian ini bertujuan untuk mengetahui pengaruh Capital Adequacy Ratio (CAR), Financing To Deposit Ratio (FDR) dan Beban Operasional Pendapatan Operasional (BOPO) Terhadap Non Performing Financing (NPF) pada Bank Perekonomian Rakyat Syariah Tahun 2014-2023. Penelitian ini adalah jenis penelitian kuantitatif yang bertujuan untuk melihat pengaruh antar variabel. Populasi pada penelitian ini adalah Bank Perekonomian Rakyat Syariah yang terdaftar di OJK tahun 2014-2023, Berdasarkan data sekunder yang terdapat pada Statistik Perbankan Syariah ada 173 Bank Perekonomian Rakyat Syariah yang beroperasi di Indonesia. Metode analisis data yang digunakan adalah metode analisis linier berganda. Pengolahan data pada penelitian ini menggunakan alat analisis E-Views-10. Hasil penelitian ini menunjukkan bahwa Capital Adequacy Ratio (CAR), Financing To Deposit Ratio (FDR) dan Beban Operasional Pendapatan Operasional (BOPO) secara simultan berpengaruh signifikan Terhadap Non Performing Financing (NPF). Hasil dalam penelitian ini juga menunjukkan bahwa secara parsial Capital Adequacy Ratio (CAR) berpengaruh negatif dan signifikan Terhadap Non Performing Financing (NPF). Dan Financing To Deposit Ratio (FDR) berpengaruh positif dan signifikan Terhadap Non Performing Financing (NPF). Kata Kunci : Capital Adequacy Ratio (CAR), Financing To Deposit Ratio (FDR), Beban Operasional Pendapatan Operasional (BOPO), Non Performing Financing (NPF). ABSTRACT Non Performing Financingis financing that has been disbursed by the Bank and the customer cannot make payment or make installments in accordance with the agreement signed by the Bank and the customer. This research aims to determine the effect of Capital Adequacy Ratio (CAR), Financing To Deposit Ratio (FDR) and Operational Income Operating Expenses (BOPO) on Non-Performing Financing (NPF) at Sharia People's Economic Banks. This research is a type of quantitative research which aims to see the influence between variables. The population in this research is Sharia People's Economic Banks registered with the OJK in 2014-2023. Based on secondary data contained in the Islamic Banking Statistics, there are 173 Islamic people’s EconomicBanks operating in Indonesia. The data analysis method used is the multiple linier analysis method. Data processing in this study uses the E-Views 10 analysis tool. The result of this study indicate that the Capital Adequacy Ratio (CAR), Financing To Deposit Ratio (FDR) and Operating Expenses to Operating Income (BOPO) simultaneously have a significant effect on Non-Performing Financing (NPF). The results in this research also show that partially the Capital Adequacy Ratio (CAR) has a negative and significant effect on Non-Performing Financing (NPF). And the Financing To Deposit Ratio (FDR) has a positive and significant effect on Non-Performing Financing (NPF). Keywords: Capital Adequacy Ratio (CAR), Financing To Deposit Ratio (FDR), Operating Expenses Operating Income (BOPO), Non Performing Financing (NPF).

Actions (login required)

View Item