Pengaruh Liquidity Risk dan Credit Risk terhadap Stabilitas Bank dengan Operational Efficiency sebagai Variabel Intervening pada Bank Umum Syariah di Indonesia

Authors

  • Yurida Universitas Islam Negeri Sumatera Utara
  • Saparuddin Siregar Universitas Islam Negeri Sumatera Utara
  • Rahmat Daim Harahap Universitas Islam Negeri Sumatera Utara

DOI:

https://doi.org/10.30651/jms.v8i3.20787

Abstract

Penelitian ini mempunyai tujuan untuk menganalisis pengaruh Liquidity Risk dan Credit Risk Terhadap Stabilitas Bank dengan Operational Efficiency sebagai variabel intervening Pada Bank Syariah Indonesia. Sampel penelitian ini ditentukan dengan metode purposive sampling diperoleh 8 Bank Umum Syariah (BUS) periode 2017-2021. Hasil penelitian menunjukkan bahwa secara simultan variabel Liqudity Risk, Credit Risk, dan Operational Efficiency secara bersama-sama berpengaruh dan signifikan terhadap Stabilitas Bank pada perbankan syariah. Secara parsial, variabel Liquidity Risk (FDR) berpengaruh negatif dan tidak signifikan terhadap Bank Stability (ZScore), semakin tinggi risiko likuiditas (FDR) maka akan menurunkan stabilitas bank, variabel Credit Risk (NPF) berpengaruh negatif dan signifikan terhadap Bank Stability (ZScore), semakin meningkatnya credit risk (NPF) atau risiko kredit maka akan menurunkan stabilitas bank, variabel Operational Efficiency (BOPO) berpengaruh negatif dan signifikan terhadap Bank Stability (ZScore), setiap ada peningkatan operational efficiency (BOPO) akan meningkatkan stabilitas bank namun tidak signifikan, variabel Liquidity Risk (FDR) berpengaruh positif dan tidak signifikan terhadap Efisiensi Operasional (BOPO), semakin meningkatnya nilai FDR maka pendanaan yang dikeluarkan bank kepada nasabah memiliki kualitas yang baik dan bisa meningkatkan tingkat BOPO bank, variabel Credit Risk (NPF) berpengaruh positif dan tidak signifikan terhadap Operational Efficiency (BOPO), nilai NPF yang meningkat akan berpengaruh pada kenaikan efisiensi operasioal yang diproksikan dengan nilai BOPO. Variabel BOPO tidak dapat menjadi mediator antara pengaruh FDR terhadap z-score Bank Umum Syariah dan variabel BOPO tidak dapat menjadi mediator antara pengaruh NPF terhadap z-score Bank Umum Syariah.

Kata kunci: Liquidity Risk, Creditd Risk, Stabilitas Bank, Operational Efficiency

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Published

2023-11-16

How to Cite

Yurida, Siregar, S., & Daim Harahap, R. (2023). Pengaruh Liquidity Risk dan Credit Risk terhadap Stabilitas Bank dengan Operational Efficiency sebagai Variabel Intervening pada Bank Umum Syariah di Indonesia. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 8(3). https://doi.org/10.30651/jms.v8i3.20787

Issue

Vol. 8 No. 3 (2023)

Section

Artikel

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