Rachman Maulana, Nurandika
(2020)
Pengaruh Financing To Deposit Ratio (Fdr) Dan Non Performing Financing (Npf) Terhadap Return On Asset (Roa)
(Studi di PT. Bank Syariah Mandiri Periode 2012-2019).
Bachelor thesis, Institut Agama Islam Sahid Bogor.
Abstract
In BI Circular Letter No. 9/24 / DPbs stated that the assessment of bank soundness is influenced by CAMELS factors (Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity to Market Risk). In the Capital aspect, it consists of Minimum Capital Adequacy Ratio (CAR), Asset Quality aspects including Non Performing Financing (NPF), Earnings aspects including Return On Equity (ROE), Return On Asset (ROA) and Operational Efficiency Ratio (BOPO) and Liquidity aspects include Financing to Deposit Ratio (FDR). This study aims to examine the effect of Financing to Deposit Ratio (FDR) and Non Performing Financing (NPF) on Return On Assets (ROA) at PT. Bank Syariah Mandiri for the period 2012-2019. In this study using secondary data from the first quarter of 2012 financial statements until the fourth quarter of 2019. The population in this study is all of the data of Bank Syariah Mandiri financial statements so that in sampling using the Nonprobability Sampling technique which in this technique does not provide equal opportunities for Bank Syariah Mandiri financial statements to obtain a sample of 32 sample financial reports. The analysis technique used in this study is multiple linear regression which aims to obtain a comprehensive picture of the relationship between variables. Whereas the classic assumption test used is the data normality test, the autocorrelation test, the multicollinearity test and the heteroscedasticity test. Based on the results of this study indicate that Financing to Deposit Ratio (FDR) and Non Performing Financing (NPF) simultaneously (together) have a significant effect on Return On Assets (ROA) at PT. Bank Syariah Mandiri, with a value of Fhitung 110,076 > Ftabel 4,17 and a significance of 0.000 <0.05. Based on the test results the coefficient of determination of the Adjusted R Square (R2) value is 0.876 or 87.6%. It means that Return On Assets (ROA) can be explained or influenced by both Financing to Deposit Ratio (FDR) and Non Performing Financing (NPF) variables. While the remaining 12.4% is influenced by other factors outside the research model.
Keywords: Financing to Deposit Ratio (FDR), Non Performing Financing (NPF) and Return On Assets (ROA
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