Rizka Annisa, - (2018) PENGARUH KECUKUPAN MODAL DAN RISIKO KREDIT TERHADAP LIKUIDITAS PADA BANK UMUM SYARIAH YANG TERDAFTAR DI BANK INDONESIA. S1 thesis, Universitas Pendidikan Indonesia.
Abstract
Penelitian ini dilatarbelakangi oleh menurunnya likuiditas BUS yang terdaftar di BI. Tujuan penelitian ini untuk mengetahui gambaran kecukupan modal dengan indikator CAR, risiko kredit dengan indikator NPF dan likuiditas dengan indikator FDR serta menguji pengaruh kecukupan modal dan risiko kredit terhadap likuiditas pada BUS yang terdaftar di BI. Metode penelitian menggunakan metode deskriptif dan verifikatif. Data penelitian ini adalah data sekunder kecukupan modal, risiko kredit dan likuiditas yang bersumber dari laporan keuangan dari masing-masing bank periode 2012-2016. Teknik analisis menggunakan uji asumsi klasik, analisis regresi data panel dan uji hipotesis menggunakan uji F dan juga uji t. Hasil penelitian menggambarkan CAR mengalami perkembangan yang fluktuatif cenderung meningkat, NPF mengalami peningkatan dan FDR mengalami penurunan pada periode 2012-2015 tetapi pada periode 2016 FDR mengalami peningkatan. Berdasarkan uji F, kecukupan modal dan risiko kredit berpengaruh terhadap likuiditas. Berdasarkan uji t, kecukupan modal berpengaruh positif signifikan terhadap likuiditas, sedangkan risiko kredit berpengaruh negatif signifikan terhadap likuiditas.---- This research is based on the increasing number of liquidity of Islamic General Bank which is registered in BI. The aim of this research is to find out the image of capital adequacy by using CAR indicator, credit risk by using NPF indicator and examine the impact of capital adequacy and credit risk towards the liquidity of islamic general bank which is registered in BI. The research method used descriptive and verification method. This research used capital adequacy secondary data, credit risk and liquidity which are based on the financial statements from each bank in 2012-2016 period. The analysis technique using classical assumption test, regression analysis panel data and hypothesis test used T test and F test. The findings of this research revealed that CAR had fluctuation development which tended to increase, the increasing number of NPF also the decreased number of FDR in 2012-2015, however, in 2016 the FDR had increased. Based on F test, the capital adequacy and credit risk have influenced the liquidity itself. Based on the T test, the capital adequacy gave significant positive effect to the liquidity, while the credit risk gave significant negative effect to liquidity.
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S_PEM_1401157_Chapter1.pdf Download (412kB) |
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| Item Type: | Thesis (S1) |
|---|---|
| Additional Information: | No. Panggil: S PEM RIZ p-2018 ; Pembimbing: I. Ikaputera Waspada, II. Budhi Pamungkas ; NIM: 1401157 |
| Uncontrolled Keywords: | CAR, NPF, FDR, capital adequacy, credit risk, liquidity |
| Subjects: | H Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management H Social Sciences > HG Finance |
| Divisions: | Fakultas Pendidikan Ekonomi dan Bisnis > Manajemen (non kependidikan) |
| Depositing User: | Mr. Arif Rezkyana Nugraha |
| Date Deposited: | 09 May 2019 04:11 |
| Last Modified: | 09 May 2019 04:11 |
| URI: | http://repository.upi.edu/id/eprint/34854 |
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