PENGARUH FINANCING TO DEPOSIT RATIO (FDR), NON PERFORMING FINANCING (NPF) DAN BEBAN OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) TERHADAP PERTUMBUHAN PEMBIAYAAN KREDIT PEMILIKAN RUMAH (KPR) PADA BANK BTN SYARIAH PERIODE 2019–2024

UGAS, GAUSUL ANAM (2026) PENGARUH FINANCING TO DEPOSIT RATIO (FDR), NON PERFORMING FINANCING (NPF) DAN BEBAN OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) TERHADAP PERTUMBUHAN PEMBIAYAAN KREDIT PEMILIKAN RUMAH (KPR) PADA BANK BTN SYARIAH PERIODE 2019–2024. Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Penelitian ini bertujuan untuk menganalisis pengaruh Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), dan Beban Operasional Pendapatan Operasional (BOPO) terhadap pertumbuhan pembiayaan Kredit Pemilikan Rumah (KPR) pada Bank BTN Syariah periode 2019–2024. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian asosiatif. Data yang digunakan merupakan data sekunder berupa laporan keuangan triwulanan Bank BTN Syariah. Metode analisis yang digunakan adalah regresi linear berganda dengan didukung uji asumsi klasik. Hasil penelitian menunjukkan bahwa secara parsial Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), dan Beban Operasional Pendapatan Operasional (BOPO) tidak berpengaruh signifikan terhadap pertumbuhan pembiayaan Kredit Pemilikan Rumah (KPR) pada Bank BTN Syariah. Hal ini mengindikasikan bahwa masing-masing variabel internal tersebut belum mampu secara individual mendorong pertumbuhan pembiayaan KPR selama periode penelitian. Namun, secara simultan FDR, NPF, dan BOPO berpengaruh signifikan terhadap pertumbuhan pembiayaan Kredit Pemilikan Rumah (KPR), yang menunjukkan bahwa kombinasi kemampuan intermediasi, pengelolaan risiko pembiayaan, dan efisiensi operasional secara bersama-sama berperan dalam mendorong pertumbuhan pembiayaan KPR. Berdasarkan perspektif ekonomi Islam, hasil penelitian ini menegaskan pentingnya prinsip kehati-hatian dan pengelolaan yang seimbang antara likuiditas, risiko, dan efisiensi operasional dalam mendukung pertumbuhan pembiayaan perumahan yang sehat dan berkelanjutan pada perbankan syariah. Kata kunci: FDR, NPF, BOPO, Pembiayaan KPR, Bank BTN Syariah. ABSTRACT This study aims to analyze the effect of Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), and Operating Expenses to Operating Income (BOPO) on the growth of Home Ownership Financing (Kredit Pemilikan Rumah/KPR) at Bank BTN Syariah during the period 2019–2024. This research uses a quantitative approach with an associative research design. The data employed are secondary data obtained from the quarterly financial statements of Bank BTN Syariah. The analytical method applied is multiple linear regression supported by classical assumption tests. The results indicate that partially Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), and Operating Expenses to Operating Income (BOPO) do not have a significant effect on the growth of Home Ownership Financing (KPR) at Bank BTN Syariah. This finding suggests that each internal financial variable individually has not been able to drive the growth of KPR financing during the research period. However, simultaneously FDR, NPF, and BOPO have a significant effect on the growth of Home Ownership Financing (KPR), indicating that the combination of liquidity management, financing risk control, and operational efficiency collectively plays an important role in supporting KPR financing growth. From the perspective of Islamic economics, these results highlight the importance of prudential principles and balanced management of liquidity, risk, and operational efficiency in supporting healthy and sustainable housing financing growth in Islamic banking. Keywords: Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Operating Expenses to Operating Income (BOPO), Home Ownership Financing(KPR), Bank BTN Syariah.

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