PENGARUH RISIKO PEMBIAYAAN DAN DANA PIHAK KETIGA TERHADAP PENYALURAN DANA PERBANKAN SYARIAH DI INDONESIA

Amalia, Dinar Rizky (2016) PENGARUH RISIKO PEMBIAYAAN DAN DANA PIHAK KETIGA TERHADAP PENYALURAN DANA PERBANKAN SYARIAH DI INDONESIA. S1 thesis, Universitas Pendidikan Indonesia.

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Official URL: http://repository.upi.edu

Abstract

Perbankan merupakan bagian yang sangat penting dalam perekonomian, salah satunya sebagai lembaga intermediasi yang tugasnya menghimpun dana dari masyarakat dan menyalurkannya kembali dalam bentuk kredit/pembiayaan. Penelitian ini bertujuan untuk mengetahui pengaruh Risiko Pembiayaan dan Dana Pihak Ketiga (DPK) terhadap Penyaluran dana perbankan syariah di Indonesia. Data yang digunakan adalah data sekunder yang di peroleh dari Annual Report dengan sampel 10 Bank Umum Syariah dan 18 Unit Usaha Syariah periode 2010-2014. Metode yang digunakan dalam penelitian ini adalah Analisis deskriptif dengan uji hipotesis menggunakan analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa Risiko Pembiayaan yang dicerminkan dalam rasio Non Performing Financing memiliki pengaruh negatif terhadap Penyaluran Dana, serta Dana Pihak Ketiga memiliki pengaruh positif terhadap Penyaluran Dana. Hasil penelitian juga menunjukkan bahwa Risiko Pembiayaan dan Dana Pihak Ketiga secara simultan mempengaruhi Penyaluran Dana (Pembiayaan) sehingga Ha diterima dan H0 ditolak. Kata Kunci: Dana Pihak Ketiga (DPK), Risiko Pembiayaan, Non Performing Financing (NPF), Penyaluran Dana, Pembiayaan, Bank Umum Syariah, Unit Usaha Syariah. Banking is an important part of economic matters, as intermediation institutions which has a job to collect a funds from the citizen and distributing it again as charge account / financing. The purpose of this research to determine the influence of financing risk and third party funds(DPK) on the distribution of funds in indonesia’s Islamic banking. The data used was secondary data which is collected from Annual Report with 10 sample from Islamic bank, and 18 sample from Islamic businesse unit, period 2010 until 2014. The method used as this research is descriptive analysis with hypothesis testing using multiple linear regression analysis. The result of the research showed that the risk of funds which reflected in the Non Performing Financing ratio has a negative influence on the distribution of funds, but third part funds has positive influence on the distribution of funds. The result of research also showed that the risk of financing and third party funds simultaneously affect the disbursement (financing) therefore Ha is accepted while H0 is rejected. Keyword: Third Party Funds (DPK), Financing Risk, Non Performing Financing (NPF), Distribution of Funds, financing, Sharia Commercial Banks, and Sharia Business Unit.

Item Type: Skripsi,Tesis,Disertasi (S1)
Additional Information: No. Panggil: S_PEA_AMA_p-2016; Pembimbing : I. Elis Mediawati
Uncontrolled Keywords: Dana Pihak Ketiga (DPK), Risiko Pembiayaan, Non Performing Financing (NPF), Penyaluran Dana, Pembiayaan, Bank Umum Syariah, Unit Usaha Syariah.
Subjects: H Social Sciences > HF Commerce
H Social Sciences > HF Commerce > HF5601 Accounting
Divisions: Fakultas Pendidikan Ekonomi dan Bisnis > Akuntansi (non kependidikan)
Depositing User: Mr. Cahya Mulyana
Date Deposited: 25 Jan 2018 02:56
Last Modified: 25 Jan 2018 02:56
URI: http://repository.upi.edu/id/eprint/28711

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