Muzaky, Nuruz Zaman (2015) PENGARUH ROA, ROE, BOPO, FDR DAN SUKU BUNGA TERHADAP TINGKAT BAGI HASIL DEPOSITO MUDHARABAH PADA BANK UMUM SYARIAH. Other thesis, UPN "Veteran" Yogyakarta.
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Abstract
ABSTRAK Penelitian bertujuan untuk menguji pengaruh return on asset return on equity, biaya operasional terhadap pendapatan operasional, financing to deposit ratio dan suku bunga terhadap tingkat bagi hasil deposito mudharabah. Data yang digunakan dalam penelitian ini diperoleh dari Laporan Keuangan Publikasi Triwulanan Bank Umum Syariah periode 2012-2014. Populasi dalam penelitian ini adalah 12 Bank Umum Syariah di Indonesia. Setelah melewati tahap purposuve sampling, terdapat 7 sampel Bank Umum Syariah yang layak digunakan yaitu Bank Central Asia Syariah, Bank Negara Indonesia Syariah, Bank Rakyat Indonesia Syariah, Bank Bukopin Syariah, Bank Mandiri Syariah, Bank Mega Syariah dan Bank Panin Syariah. Teknik analisis data yang diigunakan dalam penelitian ini adalah regresi linier berganda yang bertujuan untuk memperoleh gambaran yang menyeluruh mengenai hubungan antar variabel. Sedangkan uji asumsi klasik yang digunakan dalam penelitian ini meliputi uji autokorelasi, uji normalitas, uji multikolonieritas, dan uji heteroskedastisitas. Hasil penelitian ini menunjukan bahwa ROE bepengaruh terhadap tingkat bagi hasil deposito mudharabah. Variabel ROA, BOPO, FDR dan suku bunga tidak berpengaruh terhadap tingkat bagi hasil deposito mudharabah Bank Umum Syariah. Kemampuan prediksi dari kelima variabel tersebut terhadap tingkat bagi hasil deposito mudharabah sebesar 21,8% sedangkan sisanya dipengaruhi oleh faktor lain di luar model penelitian. Kata Kunci: ROA, ROE, BOPO, FDR, Suku Bunga, Deposito Mudharabah ABSTRACT The study aims to examine the influence of return on assets return on equity, operating expenses to operating income, financing to deposit ratio and interest rates on the level of profit sharing Mudharabah deposits. The data used in this study were obtained from the Quarterly Financial Report 2012-2014 Islamic Banks. The population in this study was 12 Islamic Banks in Indonesia. After passing through the sampling purposuve stage, there are 7 samples of Islamic Banks are fit for use, namely Islamic Bank Central Asia, Bank Negara Indonesia Syariah, Bank Rakyat Indonesia Syariah Bukopin Syariah, Bank Syariah Mandiri, Bank Mega Syariah and Bank Panin Syariah. Diigunakan Data analysis in this research is multiple linear regression which aims to obtain a comprehensive picture of the relationship between variables. While the classic assumption test used in this study include autocorrelation test, normality test, multicoloniarity and heteroscedasticity test. These results indicate that the ROE bepengaruh the level of profit sharing Mudharabah deposits. ROA, ROA, FDR and the interest rate has no effect on the rate for the deposits mudaraba Islamic Banks. The predictive capacity of these five variables on the level of profit sharing Mudharabah deposits by 21.8% while the rest influenced by other factors outside the research model. Keyword: Return On Asset, Return On Equity, Operating Expenses to Operating Income, Financing to Deposit Ratio, Interest Rates On The Level, Mudharabah Deposits
| Item Type: | Thesis (Other) |
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| Subjects: | H Social Sciences > HJ Public Finance |
| Divisions: | Faculty of Law, Arts and Social Sciences > School of Social Sciences |
| Depositing User: | Ratna Sufiatin |
| Date Deposited: | 30 Jun 2016 02:44 |
| Last Modified: | 30 Jun 2016 02:44 |
| URI: | http://eprints.upnyk.ac.id/id/eprint/4640 |
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