PENGARUH RASIO KESEHATAN BANK TERHADAP VOLUME PEMBIAYAAN BANK UMUM SYARIAH DI INDONESIA

Irsad Andriyanto, Aprilia Inge Prastika

Abstract


This research aimed to analyze the effect of financial ratios on financing successfully channeled by Sharia Commercial Banks in Indonesia in 2015- 2018. The bank's ratio is measured through CAMELS ratios (Capital, Asset Quality, Management, Earning, Liquidity, Sensitivity to Market Risk) for each aspect. Capital aspects are measured using the Capital Adequacy Ratio (CAR), asset quality (Asset Quality) is measured using Non Performing Financing (NPF), profitability (Earning) is measured using Return on Assets (ROA) and Operational Expenses to Operating Revenues (BOPO ), and liquidity (Liquidity) is measured using Financing to Deposit Ratio (FDR). The samples are 13 Sharia Commercial Banks with the observation period from January 2015 till May 2018. The data obtained through Sharia Banking Statistics (SPS) are then processed by multiple linear regression analysis. The results showed that the NPF and BOPO had a negative effect on the financing volume of sharia commercial banks, while ROA had a positive effect. In other way, the CAR and FDR have no significant effect on the financing volume of sharia commercial bank. This is because the capital is used to cover troubled financing and to maintain public trust

Full Text:

PDF

References


Alamsyah, H. (2012). Perkembangan dan Prospek Perbankan Syariah Indonesia :

Tantangan Dalam Menyongsong MEA 2015. In Milad ke-8 Ikatan Ahli Ekonomo

Islam (IAEI).

Annisa, L. N., & Yaya, R. (2015). PENGARUH DANA PIHAK KETIGA, TINGKAT BAGI

HASIL DAN NON PERFORMING FINANCING TERHADAP VOLUME DAN PORSI

PEMBIAYAAN BERBASIS BAGI HASIL PADA PERBANKAN SYARIAH DI

INDONESIA. Journal of Islamic Economics and Finance.

https://doi.org/10.22373/share.v4i1.754

Arifin Zainul. (2012). Dasar-dasar Manajemen Bank Syariah - Drs. Zainul Arifin,.

Bank Indonesia. (2004). Peraturan Bank Indonesia nomor: 6/10/PBI/2004 tentang

sistem penilaian tingkat kesehatan bank umum. Peraturan bank Indonesia.

https://doi.org/10.1109/Cvpr.2014.226

Bank Indonesia. (2007). Peraturan Bank Indonesia NO: 9/15/2007. Penerapan

Manajemen Risiko Dalam Penggunaan Teknologi Informasi Oleh Bank Umum.

https://doi.org/10.1017/CBO9781107415324.004

BI. (2013). Surat edaran No. 15/15/DPNP tertanggal 29 April 2013 tentang

pelaksanaan good corporate governance bagi bank umum. Bank Indonesia.

https://doi.org/http://dx.doi.org/10.1111/j.1728-4465.2011.00288.x

Dendawijaya. (2009). Manajemen Perbankan. Edisi Revisi Sembilan.

https://doi.org/2009

Desi Ariyani. (2010). ANALISIS PENGARUH CAR, FDR, BOPO DAN NPF TERHADAP

PROFITABILITAS PADA PT BANK MUAMALAT INDONESIA TBK. Al-Iqtishad.

Ibrahim, A., & Rahmati, A. (2017). Analisis Solutif Penyelesaian Pembiayaan

Bermasalah di Bank Syariah : Kajian Pada Produk Murabahah di Bank Muamalat.

Jurnal Kajian Ekonomi Dan Bisnis Islam.

https://doi.org/10.21043/iqtishadia.v10i1.2319

Ikatan Bankir Indonesia. (2016). Memahami Bisnis Bank. In 5.

Indonesia, R. (2008). Undang-Undang No. 21 Tahun 2008 tentang Perbankan Syariah.

Lembaran Negara RI Tahun 2008, No. 94.

https://doi.org/10.1029/2004jd004583

Nasih, M., Laila, N., & Dewikarina. (2013). MANAJEMEN RISIKO PEMBIAYAAN

MUDHARABAH PADA PERBANKAN SYARIAH. Media Trend.

Niode, N. N., & Chabachib. (2016). Pengaruh Car, Pembiayaan, Npf, Dan Bopo

Terhadap Roa Bank Umum Syariah Di Indonesia Periode 2010-2015. Diponegoro

Journal of Management.

Otoritas Jasa Keuangan. (2017). Statistik Perbankan Indonesia 2017. Statistik

Perbankan Indonesia 2017. https://doi.org/VOL: 10 No. 8 JULI 2012

Retnowati, E. (2013). Faktor Yang Mempengaruhi Pembiayaan Murabahah Pada Bank

Umum Syariah Di Indonesia. Accounting Analysis Journal. https://doi.org/ISSN

-6765




DOI: http://dx.doi.org/10.21043/malia.v2i1.4812

Refbacks

  • There are currently no refbacks.


Copyright (c) 2019 MALIA: Journal of Islamic Banking and Finance



images

http://journal.stainkudus.ac.id/indexing/moraref.jpg