Pengaruh Dana Pihak Ketiga Dan Non-Performing Financing Terhadap Pembiayaan Bank Umum Syariah Di Indonesia
DOI:
https://doi.org/10.30651/jms.v6i1.7341Abstract
Latar belakang dari penelitian ini adalah untuk mengetahui seberapa besar pengaruh dana pihak ketiga dan non performing financing terhadap pembiayaan Bank Umum Syariah selama 48 bulan dari bulan Januari tahun 2016 sampai dengan bulan Desember tahun 2019. Kemudian penelitian ini dapat memberi masukan kepada Pemerintah Indonesia dalam hal pengembangan Bank Syariah di Indonesia. Tujuan penelitian ini adalah untuk menganalisis pengaruh dana pihak ketiga dan non performing financing terhadap pembiayaan Bank Umum Syariah selama 48 bulan dari bulan Januari tahun 2016 sampai dengan bulan Desember tahun 2019. Data penelitian ini menggunakan data time series dari statistik perbankan syariah yaitu data dana pihak ketiga dan non performing financing serta pembiayaan Bank Umum Syariah yang bersumber dari website resminya Otoritas Jasa Keuangan (OJK). Metode penelitian yang akan dipakai dalam penelitian ini adalah pengumpulan data, studi pustaka, identifikasi masalah, praproses, analisis data (analisis data yang digunakan yaitu regresi linier berganda, uji normalitas, uji asumsi klasik (uji multikolinearitas dan uji autokorelasi), uji statistik (koefisien determinasi (R2), uji F statistik, dan uji t statistik), hasil analisis data, evaluasi akhir, dan pendekatan penelitian. Hasil dari penelitian ini yaitu variabel dana pihak ketiga Bank Umum Syariah berpengaruh dan signifikan terhadap variabel pembiayaan Bank Umum Syariah. Sedangkan variabel non performing financing Bank Umum Syariah tidak berpengaruh dan signifikan terhadap variabel pembiayaan Bank Umum Syariah. Variabel dana pihak ketiga Bank Umum Syariah dan variabel non performing financing Bank Umum Syariah secara simultan signifikan mempengaruhi variabel pembiayaan Bank Umum Syariah.    Â
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