Pengaruh Tingkat Kesehatan Bank Terhadap Total Pembiayaan Bank Umum Syariah Periode 2012Q1-2020Q1

  • Sintya Prilla Rosa Universitas Negeri Surabaya
  • Clarashinta Canggih Program Studi Ekonomi Islam Universitas Negeri Surabaya
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Abstract

This study aimed to determine the effect of bank soundess level to the total financing of Islamic Banks in Indonesia during 2012Q1 – 2020 Q1. The bank soundess level was measured by the RGEC method with Non-Performing Financing, Financing to Deposit Ratio, Board of Commissioners Size, Return on Assets and Capital Adequacy Ratio as the variables. Quantitative approach was utilized in this study through panel data regression analysis. The sample were all Islamic Banks in Indonesia. The result indicated that the Non-Performing Financing, Financing to Deposit Ratio, Board of Commissioners Size, Return on Assets, and Capital Adequacy Ratio have no effect to the total financing of Islamic Commercial Banks partially, wheras simultaneously they affect the total financing.

[Tujuan dari penelitian ini adalah untuk mengetahui pengaruh tingkat kesehatan bank dengan metode RGEC yang diukur menggunakan variabel Non Performing Financing, Financing to Deposit Ratio, Ukuran Dewan Komisaris, Return on Assets dan Capital Adequacy Ratio terhadap total pembiayaan bank umum syariah periode 2012Q1-2020Q1. Penelitian ini menggunakan pendekatan kuantitatif dengan teknik analisis data panel. Sampel dalam penelitian ini yakni seluruh Bank Umum Syariah yang ada di Indonesia. Hasil penelitian ini menunjukkan bahwa secara parsial variabel Non Performing Financing, Financing to Deposit Ratio, Ukuran Dewan Komisaris, Return on Assets, dan Capital Adequacy Ratio tidak berpengaruh terhadap total pembiayaan bank umum syariah. Sedangkan secara simultan, variabel Non Performing Financing, Financing to Deposit Ratio, Ukuran Dewan Komisaris, Return on Assets, dan Capital Adequacy Ratio berpengaruh terhadap total pembiayaan bank umum syariah.]

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Published
2021-06-15
Section
Articles