Mochamad Andri Rifa'i, - (2020) ANALISIS TINGKAT KECUKUPAN MODAL DAN EFISIENSI OPERASIONAL TERHADAP LIKUIDITAS BANK UMUM SYARIAH DI INDONESIA. S1 thesis, Universitas Pendidikan Indonesia.
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Abstract
Penelitian ini di latar belakangi oleh fenomena likuiditas di Bank Umum Syariah karena adanya suatu gap atau ancaman yang dapat menggangu ke stabilan likuiditas Bank Umum Syariah. Ancaman tersebut asset dan liabilitias, tujuan penulisan dari penelitian ini adalah untuk mengetahui gambaran umum Likuiditas Bank Umum Syariah, tingkat kecukupan modal dan efisiensi operasional terhadap Likuiditas Bank Umum Syariah di Indonesia tahun 2009-2019. Kemudian dilanjutkan dengan menganalis pengaruh tingkat kecukupan modal dan efisiensi operasional terhadap Likuiditas Bank Umum Syariah tahun 2009-2019.Data yang digunakan adalah data sekunder dengan teknik analis statistik yang digunakan adalah analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa variabel CAR berpengaruh positif dan berpengaruh secara siginifikan terhadap likuiditas secara parsial. Variabel BOPO secara parsial tidak berpengaruh terhadap Likuiditas Bank Umum Syariah dengan arah yang positif dan tidak berpengaruh signifikan. Hasil pengujian secara simultan Capital Adequency Ratio (CAR) dan Beban Operasional Pendapatan Operasional (BOPO) mempengaruhi secara bersama-sama variabel dependen yaitu likuiditas Bank Umum Syariah. Bank Umum Syariah harus meningkatkan rasio CAR yang akan mengakses pembiayaan, serta menambah modal yang dimiliki untuk disalurkan dalam program pembiayaan. Kebijakan yang dibuat pemerintah pun harus dipatuhi. Karena sudah menjadi tugas bank sebagai lembaga intermediasi yang menyalurkan dana yang dimilikinya kepada pihak yang membutuhkan dana. Kata Kunci : Bank Umum Syariah, Capital Adequency Ratio (CAR), Efisiensi Operasional (BOPO), Likuiditas. ABSTRACT Mochamad Andri Rifa'i (1605823) "Analysis of Capital Adequacy Levels and Operational Efficiency on Liquidity of Islamic Commercial Banks in Indonesia", under the guidance of Neni Sri Wulandari, S.Pd., M.Si. and Suci Aprilliani Utami, S.Pd., M.E.Sy. This research is motivated by the phenomenon of liquidity in Islamic Commercial Banks because of a gap or threat that can disrupt the liquidity stability of Islamic Commercial Banks. These threats are assets and liabilities, The purpose of writing this research is to know an overview of the liquidity of Islamic Commercial Banks, the level of capital adequacy and operational efficiency of the Liquidity of Islamic Commercial Banks in Indonesia in 2009-2019. Then proceed with analyzing the influence of the level of capital adequacy and operational efficiency on the Liquidity of Islamic Commercial Banks in 2009-2019. The data used are secondary data with statistical analysis techniques used are multiple linear regression analysis. The results showed that the CAR variable had a positive and significant effect on liquidity partially. BOPO variable partially has no effect on the liquidity of Islamic Commercial Banks in a positive direction and has no significant effect. The simultaneous test results Capital Adequency Ratio (CAR) and Operating Expenses Operating Income (BOPO) jointly influence the dependent variable, namely the liquidity of Islamic Commercial Banks. Islamic Commercial Banks must increase the CAR ratio that will access financing, as well as increase the capital they have to be channeled into the financing program. The policies made by the government must also be obeyed. Because it is the duty of the bank as an intermediary institution to channel its funds to parties who need funds. Keywords: Islamic Commercial Banks, Capital Adequency Ratio (CAR), Operational Efficiency (BOPO), Liquidity.
| Item Type: | Thesis (S1) |
|---|---|
| Uncontrolled Keywords: | : Bank Umum Syariah, Capital Adequency Ratio (CAR), Efisiensi Operasional (BOPO), Likuiditas. |
| Subjects: | B Philosophy. Psychology. Religion > BP Islam. Bahaism. Theosophy, etc H Social Sciences > HC Economic History and Conditions L Education > L Education (General) |
| Divisions: | Fakultas Pendidikan Ekonomi dan Bisnis > Ilmu Ekonomi dan Keuangan Islam |
| Depositing User: | Mochamad Andri Rifa'i |
| Date Deposited: | 23 Feb 2021 02:02 |
| Last Modified: | 23 Feb 2021 02:02 |
| URI: | http://repository.upi.edu/id/eprint/58594 |
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- ANALISIS TINGKAT KECUKUPAN MODAL DAN EFISIENSI OPERASIONAL TERHADAP LIKUIDITAS BANK UMUM SYARIAH DI INDONESIA. (deposited 23 Feb 2021 02:02) [Currently Displayed]
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