ANALISIS PENGARUH FAKTOR INTERNAL DAN MAKROEKONOMI TERHADAP LIKUIDITAS PADA BANK UMUM SYARIAH PERIODE 2017 – 2024

Authors

  • Zerra Shafa Zahara Universitas Sultan Ageng Tirtayasa
  • Moh. Mukhsin
  • Ahmad Fatoni

DOI:

https://doi.org/10.30651/jms.v11i1.30205

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh faktor internal bank dan faktor makroekonomi terhadap tingkat likuiditas Bank Umum Syariah di Indonesia yang diukur menggunakan Financing to Deposit Ratio (FDR). Faktor internal bank yang digunakan dalam penelitian ini meliputi Capital Adequacy Ratio (CAR), Return on Asset (ROA), dan Non Performing Financing (NPF), sedangkan faktor makroekonomi yang diteliti adalah Produk Domestik Bruto (PDB), inflasi, dan tingkat pengangguran. Penelitian ini menggunakan pendekatan kuantitatif dengan data sekunder yang diperoleh dari laporan keuangan Bank Umum Syariah serta publikasi resmi instansi terkait selama periode pengamatan tertentu. Metode analisis yang digunakan adalah panel regresi linier berganda dengan menggunakan Eviews 12. Hasil penelitian menunjukkan bahwa CAR tidak berpengaruh signifikan, sedangkan ROA berpengaruh positif signifikan, sementara itu NPF berpengaruh negatif signifikan terhadap FDR. Untuk faktor makroekonomi, PDB berpengaruh positif, sedangkan inflasi tidak berpengaruh signifikan dan tingkat pengangguran menunjukkan pengaruh negatif signifikan terhadap FDR. Temuan ini mengindikasikan bahwa kinerja internal bank, khususnya profitabilitas dan kualitas pembiayaan, memiliki peran yang lebih dominan dalam menjaga stabilitas likuiditas Bank Umum Syariah dibandingkan faktor makroekonomi.

Kata kunci: Likuiditas Bank Syariah, Financing to Deposit Ratio, Faktor Internal Bank dan Makroekonomi.

Published

2026-02-12

How to Cite

Zerra Shafa Zahara, Moh. Mukhsin, & Ahmad Fatoni. (2026). ANALISIS PENGARUH FAKTOR INTERNAL DAN MAKROEKONOMI TERHADAP LIKUIDITAS PADA BANK UMUM SYARIAH PERIODE 2017 – 2024. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 11(1). https://doi.org/10.30651/jms.v11i1.30205

Issue

Vol. 11 No. 1 (2026)

Section

Artikel

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