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Pengaruh Efisiensi Usaha, Risiko Keuangan dan Kepercayaan Masyarakat terhadap Kemampuan Penyaluran Pembiayaan pada Bank Umum Syariah di indonesia Tahun 2011-2014

Author

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  • Fitri Astuti

Abstract

Studi ini menganalisis pengaruh efisiensi usaha, risiko keuangan dan kepercayaan masyarakat terhadap distribusi pembiayaan Bank Syariah Indonesia di tahun 2011-2014. Berdasarkan metode purposive sampling, delapan bank syariah termasuk dalam penelitian ini. Model analisis yang digunakan dalam penelitian ini adalah model analisis data regresi. Hasil penelitian menunjukkan bahwa secara parsial NPM memiliki pengaruh negatif dan tidak berpengaruh signifikan terhadap FDR dan LR berpengaruh positif dan tidak signifikan terhadap FDR. Selanjutnya variabel ROA memiliki nilai positif dan signifikan terhadap FDR, ROA memiliki efek negatif dan signifikan terhadap FDR, CR memiliki efek positif dan signifikan terhadap FDR, CPR memiliki efek positif dan signifikan terhadap FDR. Terakhir DPK memiliki efek negatif dan signifikan terhadap FDR.

Suggested Citation

  • Fitri Astuti, 2012. "Pengaruh Efisiensi Usaha, Risiko Keuangan dan Kepercayaan Masyarakat terhadap Kemampuan Penyaluran Pembiayaan pada Bank Umum Syariah di indonesia Tahun 2011-2014," Jurnal Ekonomi & Keuangan Islam, Faculty of Economics, Universitas Islam Indonesia, vol. 2(2), pages 10-20.
    • Handle: RePEc:uii:jekife:v:2:y:2012:i:2:p:10-20:id:10161
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