Analisis Pengaruh Financing to Deposit Ratio dan Non Performing Finance terhadap Return on Asset Bank Umum Syariah di Indonesia
DOI:
https://doi.org/10.30651/jms.v7i1.9774Abstract
Financing to Deposit Ratio (FDR) danNon Performing Finance (NPF) terhadap Return On Asset (ROA).Adapun jenis penelitian yang dilakukan penulis adalah penelitian dengan metode penelitian kuantitatif.Sedangkan teknik pengumpulan data yang dilakukan adalah menggunakan dokumentasi yakni laporan keuangan seluruh bank umum syariah di Indonesiaperiode 2013-2017. Analisis data yang digunakan adalah model regresi linier berganda dengan program SPSS. Hasil penelitian ini menunjukkan bahwa secara parsial atau sendiri, financing to deposit ratio (FDR) tidak berpengaruh signifikan terhadap ROA, hal ini ditunjukkan dengan nilai signifikansi yang lebih dari 0,05 yaitu 0,753. Dan non performing finance(NPF) berpengaruh signifikan terhadap ROA, hal ini disebabkan nilai signifikannya adalah 0,030 lebih kecil dari 0,05. Serta secara simultan atau bersama-sama FDR dan NPF berpengaruh signifikan terhadap ROA, ini dibuktikan dengan nilai fhitung>ftabel adalah 63,042 >10,13 dan nilai signifikansi 0,016 yang lebih kecil dari 0,05. Peningkatan dan penurunan ROA disebabkan oleh beberapa faktor yaitu FDR dan NPF.
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