Pengaruh Likuiditas, Permodalan, dan Pembiayaan Bermasalah Terhadap Profitabilitas PT. Bank Muamalat Indonesia Tbk Periode 2014-2023

Mawarni, Rindang Rupa (2025) Pengaruh Likuiditas, Permodalan, dan Pembiayaan Bermasalah Terhadap Profitabilitas PT. Bank Muamalat Indonesia Tbk Periode 2014-2023. Undergraduate Thesis thesis, UIN K.H. Abdurrahman Wahid Pekalongan.

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Abstract

Analisis hubungan antara likuiditas, permodalan, pembiayaan bermasalah, dan profitabilitas pada Lembaga keuangan syariah di Indonesia, khususnya PT. Bank Muamalat Indonesia Tbk dari tahunn 2014 hingga 2023, menjadi inti dari studi ini. Bank Muamalat, sebagai pelopor bank syariah pertama di Indonesia, telah melewati berbagai fase tantangan, mulai dari isu kebangkrutan pada tahun 2015 hingga krisis pandemic COVID-19 pada tahun 2020. Kondisi ini menyoroti urgensi menjaga keseimbangan antara modal, likuiditas, dan profitabilitas demi mencapai kinerja bank yang efektif dan kompetitif di pasar. Penelitian ini termasuk jenis penelitian kuantitatif menggunakan data sekunder yang bersumber dari laporan triwulan PT. Bank Muamalat Indonesia. Teknik pengambilan sampel dengan metode purposive sampling. Penelitian inni menggunakan metode analisis data regresi linear berganda dengan bantuan software eviews 10. Hasil penelitian menunjukkan bahwa terdapat hubungan signifikan antara likuiditas dan profitabilitas, serta permodalan yang mempengaruhi kinerja keuangan bank. Namun, pembiayaan bermasalah memiliki dampak negatif yang perlu diperhatikan oleh manajemen bank. Penelitian ini menyarankan agar pemerintah mendorong optimalisasi penggunaan aset dan kebijakan yang mendukung pengelolaan dana haji untuk investasi yang lebih menguntungkan, guna meningkatkan kinerja lembaga keuangan syariah di Indonesia. Kata Kunci: Likuiditas, Permodalan, Pembiyaan Bermaslah Terhadap Profitabilitas.   ABSTRACT Rindang Rupa Mawarni, The Influence of Liquidity, Capital, and Problematic Financing on Profitability of PT. Bank Muamalat Indonesia Tbk Period 2014-2023 Analysis of the relationship between liquidity, capital, problem financing, and profitability in Islamic financial institutions in Indonesia, especially PT. Bank Muamalat Indonesia Tbk from 2014 to 2023, is the core of this study. Bank Muamalat, as the pioneer of the first Islamic bank in Indonesia, has gone through various challenging phases, starting from the bankruptcy issue in 2015 to the COVID-19 pandemic crisis in 2020. This condition highlights the urgency of maintaining a balance between capital, liquidity, and profitability in order to achieve effective and competitive bank performance in the market. This research is a type of quantitative research using secondary data sourced from the quarterly report of PT. Bank Muamalat Indonesia. The sampling technique uses the purposive sampling method. This study uses multiple linear regression data analysis method with the help of eviews 10 software. The results of the study indicate that there is a significant relationship between liquidity and profitability, as well as capital that affects the financial performance of banks. However, problematic financing has a negative impact that needs to be considered by bank management. This study suggests that the government encourages the optimization of asset use and policies that support the management of hajj funds for more profitable investments, in order to improve the performance of Islamic financial institutions in Indonesia. Keywords: Liquidity, Capital, Problematic Financing on Profitability.

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