Pengaruh Debt To Asset Ratio (DAR), Financing To Deposit Ratio (FDR), Non Performing Financing (NPF), Capital Adequacy Ratio (CAR) Terhadap Return On Asset (ROA) Pada Pt. Bank Muamalat Indonesia Tbk 2015-2022

DUDIN, KHAFIDZ SADID (2023) Pengaruh Debt To Asset Ratio (DAR), Financing To Deposit Ratio (FDR), Non Performing Financing (NPF), Capital Adequacy Ratio (CAR) Terhadap Return On Asset (ROA) Pada Pt. Bank Muamalat Indonesia Tbk 2015-2022. Undergraduate Thesis thesis, UIN K.H. ABDURRAHMAN WAHID PEKALONGAN.

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Abstract

ABSTRAK Khafidz Sadid Dudin, Pengaruh Debt to Asset Ratio (DAR), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Capital Adequacy Ratio (CAR) terhadap Return On Asset (ROA) Pada PT. Bank Muamalat Indonesia Tbk Periode 2015-2022 Penelitian ini bertujuan untuk mengetahui pengaruh Debt to Asset Ratio (DAR), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Capital Adequacy Ratio (CAR) terhadap Return On Asset (ROA) yang dilakukan oleh Bank Muamalat Indonesia dalam mengukur kinerjanya sebelum dan selama masa krisis Pandemi Covid-19. Sehingga penelitian ini dapat dianalisis pengaruhnya terhadap profitabilitas Bank Muamalat Indonesia Penelitian ini termasuk jenis penelitian kuantitatif dengan metode analisis data yang digunakan yaitu analisis regresi berganda. Regresi linier berganda digunakan untuk mengetahui hubungan yang terjadi antara lebih dari satu variabel independen terhadap variabel dependen penelitian. Pengujian ini dilakukan dengan bantuan aplikasi Eviews 10 untuk menghasilkan persamaan model regresi, besarnya determinan, sampai dengan nilai probabilitas pada uji T dan uji F guna menjawab hipotesis yang ditetapkan. Selain itu, sampel dalam penelitian ini dipilih menggunakan teknik sampel jenuh, dimana seluruh anggota populasi dijadikan sampel. Sampel ini melibatkan laporan keuangan triwulanan Bank Muamalat Indonesia dari tahun 2015 hingga 2022. Penelitian ini menunjukan hasil bahwa Debt to Asset Ratio (DAR), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Capital Adequacy Ratio (CAR) berpengaruh secara simultan dalam mengukur kinerja pada Bank Muamalat Indonesia sebelum dan selama masa krisis Pandemi Covid-19. Disamping itu, secara individual, bahwa variabel Debt to Asset Ratio (DAR) tidak berpengaruh terhadap Return On Asset (ROA). Sedangkan jika pengujian individual dilakukan pada variabel Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Capital Adequacy Ratio (CAR) berpengaruh dalam mengukur kinerja pada Bank Muamalat Indonesia sebelum dan selama masa krisis Pandemi Covid-19 berlangsung. Kata Kunci: Debt to Asset Ratio (DAR), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Capital Adequacy Ratio (CAR) terhadap Return On Asset (ROA). ABSTRACK Khafidz Sadid Dudin : The Influence of Debt to Asset Ratio (DAR), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Capital Adequacy Ratio (CAR) on Return On Assets (ROA) at PT. Bank Muamalat Indonesia Tbk Period 2015-2022 This research aims to determine the effect of Debt to Asset Ratio (DAR), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Capital Adequacy Ratio (CAR) on Return On Assets (ROA) carried out by Bank Muamalat Indonesia in measuring its performance before and during the Covid-19 Pandemic crisis. So this research can analyze its influence on Bank Muamalat Indonesia's profitability. This research is a type of quantitative research with the data analysis method used, namely multiple regression analysis. Multiple linear regression is used to determine the relationship that occurs between more than one independent variable and the research dependent variable. This test was carried out with the help of the Eviews 10 application to produce the regression model equation, the magnitude of the determinant, up to the probability value in the T test and F test to answer the specified hypothesis. In addition, the sample in this study was selected using a saturated sampling technique, where all members of the population were sampled. This sample involves Bank Muamalat Indonesia's quarterly financial reports from 2015 to 2022. This research shows the results that Debt to Asset Ratio (DAR), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Capital Adequacy Ratio (CAR) have a simultaneous effect in measuring performance at Bank Muamalat Indonesia before and during the Pandemic crisis. Covid-19. Besides that, individually, the Debt to Asset Ratio (DAR) variable has no effect on Return On Assets (ROA). Meanwhile, if individual tests are carried out on the Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), Capital Adequacy Ratio (CAR) variables, they have an effect in measuring the performance of Bank Muamalat Indonesia before and during the Covid-19 Pandemic crisis. Keywords: Debt to Asset Ratio (DAR), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Capital Adequacy Ratio (CAR) to Return On Assets (ROA).

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