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Pengaruh Rentabilitas Dan Makroekonomi Terhadap Likuiditas Perbankan Syariah Di Indonesia

An Empirical Analysis Of Rentability And Macroeconomics Affecting Liquidity On Indonesian Islamic Bank

Tesis, 016 / 2019 / MTKPS
Master Theses from JBPTPPOLBAN / 2019-11-19 14:16:52
By : Amru Aziz Shobbarin Syakur Yunus - 165168004 (amru.shobbarin.kps16@polban.ac.id)
Created : 2019-11-19, with 4 files

Keyword : likuiditas, rentabilitas, profitabilitas, makroekonomi, perbankan syariah
Subject : liquidity, rentability, profitability, macro economics, Islamic banking

Maksud dari penelitian ini ialah melakukan pengujian empiris mengenai pengaruh rentabilitas atau profitabilitas dan makroekonomi terhadap likuiditas perbankan syariah. Dalam penelitian ini rentabilitas diproksikan dengan Beban Operasional terhadap Pendapatan Operasional (BOPO atau OEOR), Return on Asset (ROA), dan Return on Equity (ROE). Adapun makroekonomi diproksikan dengan Pendapatan Domestik Bruto (PDB atau GDP), Inflasi Mata Uang (INF), dan Suku Bunga Bank Indonesia (SBBI atau CBR), serta Financing to Deposit Ratio (FDR) sebagai proksi likuiditas. Teknik analisa yang digunakan adalah regresi linear berganda menggunakan data triwulan IV 2008 sampai triwulan II 2018 yang bersumber dari BI, OJK dan BPS. Hasil dari penelitian menunjukkan bahwa terdapat pengaruh signifikan dari BOPO dan SBBI terhadap FDR, sedangkan ROA, ROE, GDP dan INF tidak berpengaruh signifikan terhadap FDR. Hasil tersebut membuktikan bahwa baik rentabilitas maupun makroekonomi, keduanya memiliki pengaruh terhadap likuiditas perbankan syariah di Indonesia. Kata kunci: likuiditas, rentabilitas, profitabilitas, makroekonomi, perbankan syariah.

Description Alternative :

Aims this research is empirically examine the effect of rentability or profitability and macroeconomics on the liquidity of Islamic banking in Indonesia. In this research rentability is proxied by Operating Expenses to Operations Revenue (OEOR), Return on Asset (ROA), and Return on Equity (ROE). Macroeconomics is proxied by Gross Domestic Product (GDP), Inflation Rate (INF), and Central Bank Rate (CBR), and then Financing to Deposit Ratio (FDR) as a proxy for liquidity. This research uses multiple linear regression or least square analysis techniques using data from the 4th quarter of 2008 to the 2nd quarter of 2018 sourced from Indonesian Central Bank (BI-Bank Indonesia), Financial Service Authority (OJK-Otoritas Jasa Keuangan), and Central Statistics Agency (BPS-Badan Pusat Statistik). The results of this research found that OEOR and CBR had a significant effect on FDR. But, ROA, ROE, GDP and INF have no effect on FDR. These results indicate that profitability and macroeconomics both affect the liquidity of Islamic banking in Indonesia. Keywords: liquidity, rentability, profitability, macro economics, Islamic banking.

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PropertyValue
Publisher IDJBPTPPOLBAN
Organization
Contact NameHelmi Purwanti
AddressJl. Trsn. Gegerkalong Hilir Ds. Ciwaruga
CityBandung
RegionJawa Barat
CountryIndonesia
Phone022 201 3789 ext. 168, 169, 239
Fax022 201 3889
Administrator E-mailhelmi.purwanti@polban.ac.id
CKO E-mailhelmi.purwanti@polban.ac.id

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