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) |
|---|---|
| Subjek: | H Social Sciences > HJ Public Finance |
| Divisions: | x. 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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