Fatmawati, Eka (2015) PENGARUH FINANCING TO DEPOSIT RATIO (FDR) TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA TAHUN 2010-2014. S1 thesis, Universitas Pendidikan Indonesia.
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Abstract
Penelitian ini bertujuan untuk mengetahui pengaruh Financing to Deposit Ratio (FDR) terhadap profitabilitas Bank Umum Syariah yang ada di Indonesia tahun 2010-2014. Dengan teknik pengambilan sampel berupa Non Probability Sampling maka diperoleh 7 bank yang menjadi sampel dalam penelitian ini. Indikator yang digunakan untuk mengukur profitabilitas bank adalah Return On Assets (ROA). Metode penelitian yang digunakan adalah deskriptif verifikatif. Adapun teknik pengumpulan data yang digunakan adalah studi dokumentasi. Pengolahan data dalam penelitian ini menggunakan analisis regresi linear sederhana yang sebelumnya telah dilakukan uji normalitas dan uji linearitas. Selanjutnya dilakukan uji F (uji keberartian regresi) dan uji t (uji keberartian koefisien regresi). Berdasarkan hasil pengolahan data, dapat diketahui FDR mengalami fluktuasi cenderung menurun, tetapi nilai FDR masih berada dalam batas standar yang ditetapkan Bank Indonesia. Sedangkan profitabilitas mengalami fluktuasi cenderung menurun pula, namun posisi ROA berada di bawah standar minimal yang ditetapkan Bank Indonesia. Hasil uji regresi linear sederhana menunjukan bahwa FDR berpengaruh terhadap profitabilitas Bank Umum Syariah di Indonesia dengan arah pengaruh positif dan menunjukan persamaan Y ̂=- 0,009 + 0,020 X. Untuk uji t (uji keberartian koefisien regresi) menunjukan bahwa pengaruh FDR terhadap profitabilitas adalah positif dan signifikan dengan taraf signifikansi sebesar 0,041. Artinya, semakin besar Financing to Deposit Ratio (FDR) maka semakin besar pula profitabilitasnya. Begitu pula sebaliknya, semakin rendah Financing to Deposit Ratio (FDR) maka semakin rendah pula profitabilitasnya. Kata Kunci : Financing to Deposit Ratio (FDR), Profitabilitas The aims of this research is to know the influence of Financing to Deposit Ratio (FDR) towards profitability of Islamic Banks in Indonesia during the period 2010-2014. The techniques of sampling is Non Probability Sampling with 7 bank taken as samples. The indicator that used to measure profitability of the Bank is Return on Assets (ROA). The research method used is descriptive verification. With document study as data collecting technique. The data processing in this research used simple linear regression before earlier to test the normality and linearity. Regression testing is then performed using the F test (test the significance of regresion ) and t test (test the significance of regression coefficients). Based on theresult of data processing, its known FDR has fluctuated tends to decline, but the value of FDR is still below the standard of Indonesia Bank. While profitability has fluctuated tends to decline, but the value of ROA less than minimal standard of Indonesia Bank. Simple linear regression test results indicated that FDR to profitability of Islamic Bank in Indonesia with possitive influence and showed the equation Y ̂=- 0,009 + 0,020 X. The equation t test (test the significance of regression coefficients) showed that the influence of FDR to profitability is positive and significant with signivicance level of 0,041. It means, the higher Financing to Deposit Ratio (FDR), profitability will also be higher. Otherwise the lower Financing to Deposit Ratio (FDR), the profitability will also lower. Keywords: Financing to Deposit Ratio (FDR), Profitability
| Item Type: | Thesis (S1) |
|---|---|
| Additional Information: | No. Panggil: S_PEA_FAT p-2015; Pembimbing : Faqih Samlawi |
| Uncontrolled Keywords: | Financing to Deposit Ratio (FDR), Profitabilitas, Bank Umum Syariah |
| Subjects: | H Social Sciences > HF Commerce H Social Sciences > HJ Public Finance L Education > L Education (General) |
| Divisions: | Fakultas Pendidikan Ekonomi dan Bisnis > Pendidikan Akuntansi |
| Depositing User: | Mr. Cahya Mulyana |
| Date Deposited: | 08 Nov 2016 01:54 |
| Last Modified: | 08 Nov 2016 01:54 |
| URI: | http://repository.upi.edu/id/eprint/22321 |
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