Pengaruh risiko pembiayaan, kecukupan modal, dana pihak ketiga, efisiensi operasional dan fungsi intermediasi terhadap profitabilitas Bank Syariah di Indonesia

Baitulah, Sagab (2022) Pengaruh risiko pembiayaan, kecukupan modal, dana pihak ketiga, efisiensi operasional dan fungsi intermediasi terhadap profitabilitas Bank Syariah di Indonesia. Masters thesis, IAIN Palangka Raya.

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Abstract

Bank merupakan salah satu lembaga keuangan yang mempunyai peranan penting didalam perekonomian suatu negara sebagai lembaga perantara keuangan. Bank dapat dikatakan sebagai darahnya perekonomian suatu negara. Oleh karena itu kemajuan suatu bank disuatu negara dapat pula dijadikan ukuran kemajuan negara yang bersangkutan. Semakin maju suatu negara, maka semakin besar pula peranan dalam mengendalikan suatu negara tersebut. Artinya dengan keberadaan dunia perbankan semakin dibutuhkan pemerintah dan masyarakatnya.

Tujuan dari penelitian ini adalah untuk: 1) Mengetahui pengaruh risiko pembiayaan, kecukupan modal, dana pihak ketiga, efisiensi operasional dan fungsi intermediasi berpengaruh secara persial terhadap profitabilitas, 2) Mengetahui pengaruh risiko pembiayaan, kecukupan modal, dana pihak ketiga, efisiensi operasional dan fungsi intermediasi berpengaruh secara simultan terhadap profitabilitas, 3) Mengetahui manakah yang dominan berpengaruh antara variabel risiko pembiayaan, kecukupan modal, dana pihak ketiga, efisiensi operasional dan fungsi intermediasi terhadap profitabilitas. Penelitian ini termasuk jenis penelitian deskriptif kuantitatif dengan penarikan kesimpulan melalui analisis statistik, populasi dalam penelitian ini adalah seluruh bank syariah yang ada diindonesia yaitu 14 bank syariah yang terdaftar di OJK dan bursa efek indonesia periode 2014-2016. Sampel diambil sebanyak 7 bank syariah dengan metode purposive sampling. Data yang diperoleh melalui dokumentasi dan udah diuji kebenarannya data tersebut. Teknik analisis data yang digunakan adalah analisis regresi linier berganda, uji T, uji F, uji R2.

Hasil penelitian ini menunjukkan bahwa: 1) Secara persial pengaruh risiko pembiayaan, kecukupan modal, dana pihak ketiga, efisiensi operasional dan fungsi intermediasi berpengaruh terhadap profitabilitas. Hasil pengujian secara parsial menunjukan bahwa risiko pembiayaan (X1) diperoleh nilai thitung = 2,131 > ttabel = 1,753, maka Ho diterima dan Ha ditolak. Kecukupan Modal (X2) diperoleh nilai thitung = 0,600 < ttabel = 1,753, maka Ho ditolak dan Ha diterima. Dana pihak ketiga (X3) diperoleh nilai thitung = 0,924 < ttabel = 1,753, maka Ho ditolak dan Ha diterima. Efisiensi operasional (X4) diperoleh nilai thitung = -6,513 < ttabel = 1,753, maka Ho diterima dan Ha ditolak. Fungsi intermediasi (X5) diperoleh nilai thitung = 2,824 > ttabel = 1,753, maka Ho diterima dan Ha ditolak. 2) Secara simultan pengaruh risiko pembiayaan, kecukupan modal, dana pihak ketiga, efisiensi operasional dan fungsi intermediasi berpengaruh terhadap profitabilitas. Diperoleh nilai fhitung = 16,765 > ftabel = 2,85, maka Ho diterima dan Ha ditolak. 3) dari semua variabel independen yang lebih dominan adalah risiko pembiayaan, diperoleh nilai koefisien regresi adalah 0,125.

ABSTRACT

Bank is one of the financial institutions that have an important role in the economy of a country as a financial intermediary institution. Banks can be said to be the blood of a country's economy. Therefore, the progress of a bank in a country can also be used as a measure of the progress of the country concerned. The more developed a country, the greater the role in controlling a country. This means that the existence of the banking world is increasingly needed by the government and its people.

The purposes of this study are to: 1) determine the effect of financing risk, capital adequacy, third party funds, operational efficiency and intermediation function have a partial effect on profitability, 2) determine the effect of financing risk, capital adequacy, third party funds, operational efficiency and function intermediation has a simultaneous effect on profitability, 3) Knowing which is the dominant influence between the variables of financing risk, capital adequacy, third party funds, operational efficiency and intermediation function on profitability. This research belongs to the type of quantitative descriptive research with conclusions drawn through statistical analysis, the population in this study is all Islamic banks in Indonesia, namely 14 Islamic banks registered with the OJK and the Indonesian stock exchange for the 2014-2016 period. The sample was taken as many as 7 Islamic banks with purposive sampling method. The data obtained through documentation and the validity of the data has been tested. The data analysis technique used is multiple linear regression analysis, T test, F test, R2 test.

The results of this study indicate that: 1) The partial effect of financing risk, capital adequacy, third party funds, operational efficiency and intermediation function on profitability. The partial test results show that the financing risk (X1) is obtained by the value of tcount = 2,131 > ttable = 1,753, then Ho is accepted and Ha is rejected. Capital Adequacy (X2) obtained the value of tcount = 0,600 < ttable = 1,753, then Ho is rejected and Ha is accepted. Third party funds (X3) obtained a value of tcount = 0,924 < ttable = 1,753, then Ho is rejected and Ha is accepted. Operational efficiency (X4) obtained tcount = -6,513 < ttable = 1,753, then Ho is accepted and Ha is rejected. The intermediation function (X5) obtained the value of tcount = 2,824 > ttable = 1,753, then Ho is accepted and Ha is rejected. 2) Simultaneously the influence of financing risk, capital adequacy, third party funds, operational efficiency and intermediation function affect profitability. The value of fcount = 16,765 > ftable = 2,85, then Ho is accepted and Ha is rejected. 3) of all independent variables, the more dominant is financing risk, the regression coefficient value is 0,125.

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