MANAJEMEN RISIKO DAN KINERJA KEUANGAN PERBANKAN SYARIAH DI INDONESIA

Uzliawati, Lia and Budi, Ichsan Setiyo (2017) MANAJEMEN RISIKO DAN KINERJA KEUANGAN PERBANKAN SYARIAH DI INDONESIA. Buletin Ekonomi, 15 (2). pp. 167-180. ISSN 1410-2293

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Abstract

Abstract: Risk Management and Financial Performance of Islamic Banking in Indonesia. This study aims to examine the effect of risk management on the financial performance of sharia banking in Indonesia. The risk management tested in this research consists of credit, liquidity, capital operational risk, while the financial performance uses profit sharing ratio proxy. Sampling in this research using purposive sampling technique and get sample 11 Islamic banking. From result of multiple linear regression test result of this research is Financing to Deposit Ratio have positive significant effect to Profit Sharing Ratio, Non Performing Financing have negative but not significant effect to Profit Sharing Ratio, Capital Adequacy Ratio have positive significant effect to Profit sharing Ratio and Operational Cost to operating income has a negative effect on profit sharing ratio. Abstrak: Manajemen Risiko dan Kinerja Keuangan Perbankan Syariah di Indonesia. Penelitian ini bertujuan untuk menguji pengaruh manajemen risiko terhadap kinerja keuangan perbankan syariah di Indonesia. Manajemen risiko yang diuji dalam penelitian ini terdiri dari risiko kredit, likuiditas, permodalan dan operasional, sedangkan kinerja keuangan menggunakan proksi profit sharing ratio. Pengambilan sampel dalam penelitian ini menggunakan teknik purposive sampling dan memperoleh sampel 11 Bank Umum Syariah. Dari hasil uji regresi linear berganda maka hasil penelitian ini adalah Financing to Deposit Ratio berpengaruh positif signifikan terhadap Profit Sharing Ratio, Non Performing Financing berpengaruh negatif tetapi tidak signifikan terhadap Profit Sharing Ratio, Capital Adequacy Ratio berpengaruh positif signifikan terhadap Profit sharing Ratio, dan biaya operasional terhadap pendapatan operasional berpengaruh negatif terhadap profit sharing ratio. Kata Kunci: Manajemen risiko, risiko kredit, risiko likuiditas, risiko permodalan, risiko operasional, kinerja keuangan, profit sharing ratio

Item Type: Article
Subjects: H Social Sciences > HJ Public Finance
Divisions: Faculty of Law, Arts and Social Sciences > School of Social Sciences
Depositing User: SRI SULTAN -
Date Deposited: 25 Jun 2018 01:35
Last Modified: 25 Jun 2018 01:35
URI: http://eprints.upnyk.ac.id/id/eprint/15380

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