ABSTRAK

ABSTRAK
Skripsi dengan judul “Analisis Pengaruh Giro Wajib Minimum, Financing
to Deposit Ratio dan Capital Adequacy Ratio terhadap Non Performing Financing
(studi kasus pada Bank Muamalat Indonesia periode 2009-2016) ini ditulis oleh
Tri Handoyo Seno. NIM 2823133151, Fakultas Ekonomi dan Bisnis Islam, IAIN
Tulungagung, dibimbing oleh Muhammad Aswad, MA.
Non Performing Financing adalah suatu rasio keuangan bank syariah yang
menggambarkan besarnya tingkat pembiayaan bermasalah terhadap total
pembiayaan yang disalurkan. Non Performing Financing(NPF) mencerminkan
risiko pembiayaan, semakin tinggi tingkat NPF, maka semakin besar pula risiko
pembiayaan yang ditanggung oleh pihak bank. Faktor-faktor yang mempengaruhi
NPF pada dasarnya ada banyak baik itu berasal dari eksternal maupun internal
perusahaan seperti kebijakan Giro Wajib Minimum, Financing to Deposit Ratio
dan Capital Adequacy Ratio. Tujuan penelitian ini adalah untuk mengatuhui
pengaruh Giro Wajib Minimum, Financing to Deposit Ratio dan Capital
Adequacy Ratio terhadap Non Performing Financing Bank Muamalat Indonesia.
Penelitian ini menggunakan pendekatan kuantitatif, jenis penelitian yang
digunakan adalah penelitian asosiatif. Data yang digunakan dalam penelitian ini
adalah data sekunder yang diperoleh dari dokumen publikasi laporan keuangan
triwulan Bank Muamalat Indonesia pada periode tahun 2009-2016. Metode
analisis dalam penelitian ini adalah regresi linier berganda yang mensyaratkan
untuk melakukan uji normalitas data, uji asumsi klasik (yaitu multikolonearitas,
heteroskedastisitas, autokorelasi), uji regresi berganda, uji hipotesis dan uji
koefisien determinasi.
Hasil analisis menyatakan bahwa, (1) variabel Giro Wajib Minimum
berpengaruh positif dan tidak signifikan secara statistik terhadap Non Performing
Financing, (2) variabel Financing to Deposit Ratio berpengaruh negatif dan tidak
signifikan secara statistik terhadap Non Performing Financing, (3)variabel
Capital Adequacy Ratio berpengaruh negatif dan tidak signifikan secara statistik
terhadap Non Performing Financing, (4) sedangkan secara simultan,
menunjukkan bahwa Giro Wajib Minimum, Financing to Deposit Ratio dan
Capital Adequacy Ratio berpengaruh tidak signifikan secara statistik terhadap
Non Performing Financing Bank Muamalat Indonesia.
Kata Kunci: Giro Wajib Minimum, Financing to Deposit Ratio, Capital
Adequacy Ratio, Non Performing Financing.
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ABSTRACT
Thesis entitled "Analysis of Influence of Minimum Reserve Requirement,
Financing to Deposit Ratio and Capital Adequacy Ratio to Non Performing
Financing (case study at Bank Muamalat Indonesia period 2009-2016) is written
by Tri Handoyo Seno. NIM 2823133151, Faculty of Economics and Islamic
Business, IAIN Tulungagung, guided by Muhammad Aswad, MA.
Non Performing Financing is a financial ratio of sharia banks that
describes the level of problematic financing to total financing disbursed. Non
Performing Financing (NPF) reflects financing risks, the higher the NPF level,
the greater the financing risk borne by the bank. Factors affecting NPF are
basically a lot of both external and internal companies such as Minimum Reserve
Requirements, Financing to Deposit Ratio and Capital Adequacy Ratio. The
purpose of this research is to obey the influence of Minimum Reserve Requirement,
Financing to Deposit Ratio and Capital Adequacy Ratio to Non Performing
Financing Bank Muamalat Indonesia.
This study uses quantitative approach, the type of research used is
associative research. The data used in this study is secondary data obtained from
the publication document of quarterly financial reports of Bank Muamalat
Indonesia in the period 2009-2016. The method of analysis in this study is
multiple linear regression which requires to test data normality, classical
assumption test (ie multicollonearity, heteroscedasticity, autocorrelation),
multiple regression test, hypothesis test and coefficient of determination test.
The result of analysis shows that, (1) Statement of Minimum Statutory
variable has positive and not statistically significant to Non Performing
Financing, (2) Financing to Deposit Ratio variable negatively and not statistically
significant to Non Performing Financing, (3) Capital Adequacy Ratio variable
has a negative and non statistically significant effect on Non Performing
Financing, (4) While simultaneously, shows that Minimum Statutory Reserves,
Financing to Deposit Ratio and Capital Adequacy Ratio have no statistically
significant effect on Non Performing Financing of Bank Muamalat Indonesia.
Keywords: Minimum Reserve Requirement, Financing to Deposit Ratio, Capital
Adequacy Ratio, Non Performing Financing.
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