Electronic Theses and Dissertation

Penelitian ini bertujuan untuk menganalisis pengaruh penerapan financing to deposit ratio (fdr), capital adequacy ratio (car), non performing finance (npf) terhadap kinerja keuangan perusahaan perbankan syariah di indonesia dengan bank umum syariah pada periode tahun 2017 hingga 2021. sampel dalam penelitian ini adalah 8 bank umum syariah yang mempublikasikan laporan keuangan nya pada website resmi dan terpercaya. sampel di tentukan menggunakan teknik purposive sampling. penelitian ini menggunakan data sekunder dan di analisis menggunakan pendekatan teknik analisis statistik deskriptif. selain itu, pada penelitian ini terdapat teknik pengujian-pengujian dengan uji analisis data panel, pemilihan model estimasi regresi data panel, penentuan metode pemilihan model regresi data panel, melakukan uji koefesien, dan pengujian terhadap hipotesis. berdasarkan hasil analisis penelitian diperoleh hasil menunjukkan bahwa pengaruh financing to deposit ratio (fdr) tidak berpengaruh secara signifikan terhadap kinerja keuangan perbankan syariah, kemudian pengaruh capital adequacy ratio (car), menunjukkan hasil berpengaruh secara positif dan signifikan terhadap kinerja keuangan perbankan syariah, kemudian pengaruh non performing finance (npf), menunjukkan hasil berpengaruh secara negatif dan signifikan terhadap kinerja keuangan perusahaan perbankan syariah pada bank umum syariah di indonesia periode tahun 2017 hingga 2021. hasil pengujian regresi menunjukkan hasil yang dapat disimpulkan bahwa variabel (fdr, car dan npf) secara simultan mempunyai pengaruh terhadap kinerja keuangan perusahaan perbankan syariah di indonesia. kata kunci: financing to deposit ratio (fdr), capital adequacy ratio (car), non performing finance (npf), kinerja keuangan, bank umum syariah.

This research aims to analyze the effect of implementing Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), Non Performing Finance (NPF) on the financial performance of sharia banking companies in Indonesia with sharia commercial banks in the periods 2017 to 2021. The samples in this research were 8 Islamic commercial banks that publish their financial reports on official and trusted websites. The sample for this research was determined using a purposive sampling technique. This research uses secondary data and is analyzed using a descriptive statistical analysis technique approach. Beside from that, in this research there are testing techniques using panel data analysis tests, selecting panel data regression estimation models, determining methods for selecting panel data regression models, carrying out coefficient tests, and testing hypotheses. Based on the results of the research analysis, the results showed that the influence of the Financing to Deposit Ratio (FDR) did not have a significant effect on the financial performance of sharia banking, then the influence of the Capital Adequacy Ratio (CAR), showed the results had a positive and significant effect on the financial performance of sharia banking, then the influence of Non Performing Finance (NPF) shows that the results have a negative and significant effect on the financial performance of sharia banking companies in sharia commercial banks in Indonesia for the periods 2017 to 2021. The results of the regression testing show results that can be concluded that the variables (FDR, CAR and NPF) simultaneously have an influence on the financial performance of Islamic banking companies in Indonesia. Keywords: Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), Non Performing Finance (NPF), Financial Performance, Sharia Commercial Bank.