The Effect of Capital Adequacy Ratio, non Performing Financing, and Financing to Deposit Ratio on Returns for Deposit Results of Sharia Commercial Banks

Rudy Irwansyah, Syahrijal Hidayat

Abstract


This study aims to see the effect of CAR, NPF, and FDR on the return for the results of mudharabah deposits at Islamic Commercial Banks either simultaneously or partially. The data used in this study are the quarterly financial reports for the period March 2016 to December 2020. The method of analysis used in this study is the method of multiple linear regression analysis using the SPSS 18 program. The F test is used to test the effect of the independent variables, namely CAR, NPF, and FDR on the dependent variable, namely the return on the profit sharing of mudharabah deposits. The t test is performed to test the effect of the CAR, NPF, and FDR variables on the partial return on the return on mudharabah deposits. The significance level used is 5%. The results showed that simultaneously there was an effect between CAR, NPF, and FDR on the Return for Profit Sharing on Mudharabah Time Deposits of 0,802. While partially all 3 independent variables (CAR, NPF, and FDR) also have a significant effect on Return on Time Deposit.


Keywords


capital adequacy ratio; non performing financing; financing to deposit ratio; return on time deposit; islamic commercial banks

Full Text:

PDF

References


Al Arif, M. Nur Rianto. (2010). Dasar-Dasar Pemasaran Bank Syariah. Bandung: Alfabeta.

Anshori, Abdul Ghofur. (2007). Perbankan Syariah Di Indonesia. Yogyakarta: Gadjah Mada University Press.

Ariadin, et al. (2020). Shari’ah Compliance Rights in Implementation of Legal Principles on Shari’ah Banking. Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Volume 3, No 2, Page: 1530-1541.

Dendawijaya, Lukman. (2005). Manajemen Perbankan. Bogor : Ghalia Indonesia.

Hosen, M. Nadratuzzaman dan Setiati, Sunarwin Kartika. (2007). Tuntunan Praktis Menggunakan Jasa Perbankan Syariah. Jakarta: Pusat Komunikasi Ekonomi Syariah.

Jahja, Adi Susilo dan Iqbal, Muhammad. (2012). Analisis Perbandingan Kinerja Keuangan Perbankan Syariah Dengan Perbankan Konvensional, Jurnal Episteme, Volume 7 Nomor 2.

Karim, Adiwarman Azwar. (2004). Bank Islam: Analisis Fiqh dan Keuangan, Jakarta: PT. Raja Grafindo Persada.

Kasmir. (2014). Dasar-Dasar Perbankan. Jakarta: PT. Raja Grafindo Persada.

Kuncoro, Mudrajad dan Suhardjono. (2002). Manajemen Perbankan. Yogyakarta: BPFE.

Pratiwi, Yunita Dwi. (2020). Pengaruh Dana Pihak Ketiga (DPK), Non Performing Financing (NPF), dan Inflasi Terhadap Pembiayaan Musyarakah Pada Bank Umum Syariah Indonesia Periode 2016-2018. Tulungagung: Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Tulungagung.

Prayoga I., and Afrizal, T. (2021). Perceptions of Educators, Accounting Students and Accountants Public Accountant against Ethics of Financial Statement Preparation (Studies at University and KAP in Semarang). Budapest International Research and Critics Institute-Journal (BIRCI-Journal). P. 89-101.

Taarigan, N. et al. (2020). The Effect of Employee Competence on Increasing Employee Motivation in Sumut Bank of Sharia Unit, North Sumatera. Budapest International Research and Critics Institute-Journal (BIRCI-Journal). P.858-867




DOI: https://doi.org/10.33258/birci.v4i3.2245

Article Metrics

Abstract view : 23 times
PDF - 25 times

Refbacks

  • There are currently no refbacks.


Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.