Pengaruh Inflasi dan Capital Adequacy Ratio (CAR) Terhadap Non Performing Financing (NPF) Pada PT. BNI Syariah Tbk Periode 2012-2019

Nurul Fitrian. NIM 16050102019., N (2020) Pengaruh Inflasi dan Capital Adequacy Ratio (CAR) Terhadap Non Performing Financing (NPF) Pada PT. BNI Syariah Tbk Periode 2012-2019. Skripsi thesis, IAIN KENDARI.

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Abstract

ABSTRAK Nurul Fitrian. NIM 16050102019. Pengaruh Inflasi dan Capital Adequacy Ratio (CAR) terhadap Non Performing Financing (NPF) Pada PT. BNI Syariah Tbk Periode 2012-2019. Dibimbing oleh: Dr. Husain Insawan M. Ag dan Dr. La Hadisi S. Ag, M.Pd. I. Penelitian ini bertujuan untuk mengetahui bagaimana pengaruh Inflasi dan Capital Adequacy Ratio (CAR) terhadap Non Performing Financing (NPF) Gross di Bank Syariah khusunya pada PT. BNI Syariah Tbk. Tahun 2012-2019 secara parsial maupun simultan. Populasi dalam penelitian ini adalah data inflasi laporan keuangan PT. BNI Syariah Tbk. Penelitian ini menggunakan metode kuantitatif. Teknik pengumpulan data yang digunakan adalah dokumentasi dan kepustakaan. Analisis data yang dilakukan dengan teknik analisis regresi linear berganda. Hasil penelitian yang dilakukan menunjukkan bahwa variabel inflasi berpengaruh secara signifikan terhadap non performing financing (NPF) dapat dijelaskan dari hasil uji statistik yang terlihat pada output data analisis regresi linear berganda diperoleh nilai koefisien regresi sebesar -0,213. Selanjutnya dilakukan Uji Parsial (Uji t) diperoleh nilai statistik uji t sebesar 0,000 dengan nilai signifikan sebesar 4,823 dengan nilai signifikansi 0,000 yang dimana 0,000 < 0,05, maka hipotesis teruji yaitu inflasi berpengaruh secara signifikan terhadap non performing financing (NPF) pada PT. BNI Syariah Tbk periode 2012-2019. Variabel Capital Adequacy Ratio (CAR) tidak berpengaruh secara signifikan terhadap Non Performing Financing (NPF). Dapat dijelaskan dari hasil uji statistik yang terlihat pada output olah data analisis regresi linear berganda diperoleh nilai koefisien 0,012. Selanjutnya dilakukan uji parsial yakni nilai statistik uji t sebesar -1,329 dengan nilai signifikan sebesar 0,194 yang dimana 0,194 > 0,05, maka hipotesis teruji yaitu Capital Adequacy Ratio tidak berpengaruh secara signifikan terhadap non performing financing (NPF) pada PT. BNI Syariah Tbk periode 2012-2019. Kata kunci: Inflasi, Capital Adequacy Ratio, Non Performing Financing (NPF) ABSTRACT Nurul Fitrian. NIM 16050102019. Effect of Inflation and Capital Adequacy Ratio (CAR) on Non-Performing Financing (NPF) at PT. BNI Syariah Tbk Periode 2012-2019. Supervised by: Dr. Husain Insawan M. Ag and Dr. La Hadisi S. Ag, M.Pd. I. This study aims to determine how the influence of inflation and Capital Adequacy Ratio (CAR) on Gross Non-Performing Financing (NPF) in Islamic Banks, especially at PT. BNI Syariah Tbk. 2012-2019 year partially or simultaneously. The population in this study is the inflation data of the financial statements of PT. BNI Syariah Tbk. This research uses quantitative methods. The data collection techniques used were documentation and literature. Data analysis was performed using multiple linear regression analysis techniques. The results of the research conducted show that the inflation variable has a significant effect on nonperforming financing (NPF). It can be explained from the results of statistical tests which can be seen in the data output of multiple linear regression analysis, the regression coefficient value is -0.213. Furthermore, the partial test (t test) was carried out and the t test statistic value was 0,000 with a significant value of 4,823 with a significance value of 0,000, where 0,000 <0.05, the hypothesis was tested, namely that inflation has a significant effect on non-performing financing (NPF) at PT. . BNI Syariah Tbk for the period 2012-2019. The variable Capital Adequacy Ratio (CAR) has no significant effect on Non-Performing Financing (NPF). It can be explained from the results of statistical tests that can be seen in the output of multiple linear regression analysis data obtained by a coefficient value of -0.012. Furthermore, a partial test was carried out, namely the t-test statistical value of -1.329 with a significant value of 0.194 where 0.194> 0.05, so the hypothesis was tested, namely the Capital Adequacy Ratio did not significantly affect non-performing financing (NPF) at PT. BNI Syariah Tbk for the period 2012-2019. Keywords: Inflation, Capital Adequacy Ratio, Non Performing Financing (NPF)

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