PENGARUH NON PERFORMING FINANCING (NPF) DAN FINANCING TO DEPOSIT RASIO (FDR) TERHADAP RETURN ON ASSET (ROA) PADA PT BANK PANIN DUBAI SYARIAH Tbk TAHUN 2012-2021
Abstract
This research aims to determine the effect of Non Performing Financing and Financing to Deposit Ratio on Return On Assets at PT Bank Panin Dubai Syariah Tbk. The data used is the quarterly financial report of PT Bank Panin Dubai Syariah Tbk for the period 2012-2021. This research uses quantitative research with causal associative research methods and processing using SPSS Version 29. The data analysis techniques used are multiple regression tests and hypothesis tests, t tests to test coefficients partially and F tests to simultaneously test the influence together with significance level 5% and Determination test. During the observation period, it shows that the research data is normally distributed. Based on the normality test, multicollinearity test, heteroscedasticity test and autocorrelation test, no variables were found that deviated from classical assumptions. This shows that the available data meets the requirements for using a multiple linear regression equation model. The results of this research are that NPF has an effect on ROA while FDR has no effect on ROA. Simultaneously NPF and FDR influence ROA. The coefficient of determination value is 62.5% of ROA, while the remaining 37.5% is influenced by other variables.
References
Pravasanti, Y. A. (2018). Pengaruh Npf Dan Fdr Terhadap Car Dan Dampaknya Terhadap Roa Pada Perbankan Syariah Di Indonesia. Jurnal Ilmiah Ekonomi Islam, 4(03), 148-159, Issn 2477-6157, E-Issn 2579-6534.
Kartono. (2019). Pengaruh Non Performing Financing Terhadap Pembiayaan Pada Bank Mandiri Syariah Periode Tahun 2011-2019. Jurnal Ekonomi Efektif, Vol. 1, No.4, Issn 2622-8882, E-Issn 2622-9935.
Rohansyah, M., Rachmawati., & Hasnita, N. (2021). Pengaruh Npf Dan Fdr Terhadap Roa Bank Syariah Di Indonesia. Robust-Research Business And Economics Studies, Volume 1, 123-141, Issn 2798-3935, E-Issn 2798-401x.
Munir, M. (2018). Analisis Pengaruh Car, Npf, Fdr Dan Inflasi Terhadap Profitabilitas Perbankan Syariah Di Indonesia, Vol. 1, Issn 2622-4755, E-Issn 2622-4798.
Khoiriyah, S., Wirman. Pengaruh Npf Dan Fdr Terhadap Profitabilitas (Roa) Bank Umum Syariah Di Indonesia (Studi Pada Bank Syariah Yang Terdaftar Di Indonesia Periode 2010-2019). Jurnal Ekonomi Islam, Vol. 1, Issn 2087-2178, E-Issn 2579-6453.
Karim, A., Hanafia, F. (2020). Analisis Car, Bopo, Npf, Fdr, Nom, Dan Dpk
Terhadap Profitabilitas (Roa) Pada Bank Syariah Di Indonesia. Jurnal Manajemen Dan Bisnis, Vol. 2 No. 1, E-Issn 2715-9361.
Almunawwaroh, M., Marlian, R. (2018). Pengaruh Car, Npf Dan Fdr Terhadap Profitabilitas Bank Syariah Di Indonesia. Jurnal Ekonomi Dan Keuangan Syariah, Vol. 2 No. 1, Page 1-18, Issn 2540-8399, E-Issn 2540-8402.
Lestar, A. T. (2021). Pengaruh Financing To Deposit Ratio (Fdr) Terhadap Return On Asset (Roa) Pada Bank Syariah Anak Perusahaan Bumn Di Indonesia Periode 2011-2019, Vol 5, No 1, Hal 34 – 60, Issn 2599-1515, E-Issn 2776-9569.
Suryanto, D. A., Susanti, S. (2020). Analisis Net Operating Margin (Nom), Non Performing Financing (Npf), Financing To Debt Ratio (Fdr) Dan Pengaruhnya Pada Efisiensi Perbankan Syariah Di Indonesia. Jurnal Riset Akuntansi Dan Keuangan, 8 (1), 29-40, Issn 2338-1507, E-Issn 2541-061x.
Budhiarjo, I. S,. Febriana, H. Pengaruh Fdr (Financing To Deposit Ratio), Npf (Non Performing Financing), Dan Bopo (Biaya Operasional Pendapatan Operasional) Terhadap Profitabilitas (Roa) Pada Pt Bank Syariah Mandiri Tbk. Vol.5, No.3, Issn 2598-9545, E-Issn 2599-171x.
Anam, M. K., Khairunnisah, I. F. (2019). Pengaruh Pembiayaan Bagi Hasil Dan Financing To Deposit Ratio (Fdr) Terhadap Profitabilitas (Roa) Bank Syariah Mandiri. Volume I (2), Issn 2685-8851.
