PENGARUH KINERJA KEUANGAN (BOPO,LDR/FDR,NPL/NPF) TERHADAP PROFITABILITAS ROA (STUDI KASUS BPR KONVENSIONAL DAN BPR SYARIAH)

Suryaningsih. 1804020204008., S (2022) PENGARUH KINERJA KEUANGAN (BOPO,LDR/FDR,NPL/NPF) TERHADAP PROFITABILITAS ROA (STUDI KASUS BPR KONVENSIONAL DAN BPR SYARIAH). Masters thesis, PASCASARJANA IAIN KENDARI.

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Abstract

ABSTRAK Suryaningsih. 1804020204008. “Pengaruh Kinerja Keuangan (BOPO,LDR/FDR,NPL/NPF) Terhadap Profitabilitas ROA (Studi Kasus BPR Konvensional dan BPR Syariah”. Tesis. Program Studi Ekonomi Syariah Pascasarjana IAIN Kendari. Dibimbing oleh H. Hasan Aedy dan Moch. Iksan. Penelitan ini bertujuan untuk mengetahui dan menganalsisis secara simultan dan parsial pengaruh Kinerja Keuangan (BOPO, LDR/FDR dan NPL/NPF) terhadap Profitabilitas di BPR Konvensional dan BPR Syariah. Dan untuk mengetahui dan menganalisis perbandingan kinerja keuangan di BPR Konvensional dan BPR Syariah periode 2010-2019 Jenis Penelitian ini adalah penelitian kuantitatif, bersifat korelasional dan komparatif secara statistik infernsial, kemudian dilakukan analisis untuk mengkonfirmasi berdasarkan teori dan konsep yang sudah ada terhadap keakuratan instrumen yang ada. Data dikumpulkan bedasarkan data sekunder dari OJK mengenai laporan rasio kinerja keuangan BPR Konvensional dan BPR Syariah periode 2010-2019. Sedangkan metode analisis data yang digunakan dalam penelitian ini adalah Analisis Statistik Deskriptif dan Analisis Regresi Linear Berganda dengan bantuan Software SPSS 20. Hasil penelitian menemukan bahwa ; 1) Secara simultan kinerja keuangan melalaui Beban Operasional dan Pendapatan Operasional (BOPO), LDR dan NPL berpengaruh secara signifikan terhadap profitabilitas (ROA) pada BPR Konvensional. Sedangkan BOPO, FDR dan FDR juga berpengaruh secara simultan terhadap profitabilitas BPR Syariah, 2) Secara parsial Beban Operasional dan Pendapatan Operasional (BOPO) berpengaruh negatif signifikan terhadap profitabilitas baik pada BPR Konvensional maupun pada BPR Syariah, 3) Secara parsial Loan to Deposite Ratio (LDR) berpengaruh positif tidak signifikan terhadap profitabilitas BPR Konvensional. sedangkan Finance to Deposite Ratio (FDR) berpengaruh positif signifikan terhadap profitabilitas BPR Konvensional dan BPR Syariah, 4) Secara parsial antara Non Performing Loan (NPL) berpengrauh negatif signifikan terhadap profitabilitas BPR konvensional. Sedangkan Non Performing Finance (NPF) berpengaruh Positif tidak signifikan terhadap profitabiltias pada BPR Syariah, dan 5) Bedasarkan uji beda bahwa perbandingan kinerja keuangan antara antara BPR Konvensional dan BPR Syariah dilihat dari kinerja keuangan melaui ROA dan BOPO adalah tidak terdapat perbedaan yang signifikan, namun perbedaan terletak pada kinerja Loan to Deposite Ratio (LDR) atau Finance to Deposite Ratio (FDR), dan dilihat dari kinerja Non Performing Loan (NPL) atau Non Performing Finance (NPF). Kata Kunci : Kinerja Keuangan, Profitabilitas (ROA), BOPO, LDR/FDR, NPL/NPF, BPR Syariah ABSTRACT Suryaningsih. 1804020204008. Influence of Financial Performance (BOPO,LDR/FDR,NPL/NPF) to Profitability ROA at case study Conventional BPR and Sharia BPRs. Thesis. Postgraduate Sharia Economics Study Program, IAIN Kendari. Supervised by H. Hasan Aedy and Moch. Iksan. This research aims to determine and analyze simultaneously and partially the effect of Financial Performance (BOPO, LDR / FDR and NPL / NPF) on Profitability in Conventional BPR and Sharia BPR. And to find out and analyze the comparison of financial performance in BPR Conventional and BPR Sharia 2010-2019 This type of research is quantitative research, correlational and comparative statistically inferential, then analysis is carried out to confirm based on existing theories and concepts on the accuracy of existing instruments . Data is collected based on secondary data from OJK regarding the financial performance ratio reports for conventional rural banks and Islamic rural banks for the period 2010-2019. While the data analysis method used in this research is descriptive statistical analysis and multiple linear regression analysis and Independent Simple Test with the help of SPSS 22 software. The results of the study found that; 1) Simultaneously, financial performance through Operational Expenses and Operating Income (BOPO), LDR and NPL have a significant effect on profitability (ROA) in conventional rural banks. While, BOPO, FDR and FDR also have a simultaneous effect on the profitability of Islamic BPRs, 2) Partially the Operational Expenses and Operating Income (BOPO) have a significant negative effect on profitability both in conventional BPRs and in Islamic BPRs, 3) Partially the Loan to Deposite Ratio ( LDR) has a positive and insignificant effect on the profitability of conventional rural banks. while the Finance to Deposite Ratio (FDR) has a significant positive effect on the profitability of conventional rural banks and Islamic rural banks, 4) partially, the nonperforming loans (NPL) have a significant negative impact on the profitability of conventional rural banks. Meanwhile, Non Performing Finance (NPF) has a positive and insignificant effect on profitability in Islamic BPRs, and 5) Based on different tests that the comparison of financial performance between Conventional BPR and Sharia BPR is seen from financial performance through ROA and BOPO there is no significant difference, however The difference lies in the performance of the Loan to Deposite Ratio (LDR) or the Finance to Deposite Ratio (FDR), and is seen from the performance of the Non Performing Loan (NPL) or the Non Performing Finance (NPF). Keywords: Financial Performance, Profitability (ROA), BOPO, LDR / FDR, NPL / NPF, Sharia BPR صخلملا ، LDR / FDR ، (BOPO يلاملا ءادلأا ريثأت" 1804020204008 مقر بلاطلا ريتسجام هيسجنينايروس ر يتسجام ، يديع .ةحورطأ ."ةعيرشلا BPR و ةيديلقتلا BPR ةلاح ةسارد ROA ( ةيحبر ىلع NPL / NPF) نيد يف ريتسجام ، ناسكإ دمحم يجاح روتكدلاو NPL / NPF و LDR / FDR و BOPO ( ا ًيئزجو دحاو نآ يف يلاملا ءادلأا ريثأت ليلحتو ديدحت ىلإ ةساردلا هذه فدهت ءادلأا ةنراقم ليلحتو ةفرعمل يف يلاملا لو .ةعيرشلا BPR و ةيديلقتلا لامعلأا ةلكيه ةداعإ بيلاسأ يف ةيحبرلا ىلع ) يجاتنتساو يمك ثحب وه ثحبلا نم عونلا اذه 2019 - 2010 ةرتفلل BPR ةعيرشو يديلقتلا BPR .تاودلأا دوجوملا ةقد ىلع ةدوجوملا ميهافملاو تايرظنلا ىلع ًءانب ديكأتلل هليلحت مث ، ا ًيئاصحإ نراقمو يطابترا ةرتف BPR و ةي ديلقتلا BPR ـل يلاملا ءادلأا ةبسن ريرقت يف OJK نم ةيوناث تان ايب ىلع ًءانب تانايبلا عمج مت يفص ولا يئاصح لإا ليلحتلا يه ةساردلا هذه يف ةمدختسملا تانايبلا ليلحت ةقيرط نأ نيح يف . 2019 - 2010 ةرتفلل أ ةساردلا جئاتن تدجو SPSS 20. جمانرب ةدعاسمب ددعتملا يطخلا رادحنلاا ليلحتو LDR و ) BOPO ( ليغ شتلا تاداريإو ليغشتلا تاقفن للاخ نم تقولا سفن يف يلاملا ءادلأل ) :ن1 اهل ةيحبر ىلع نمازتم ريثأت ا FDR و FDR و BOPO نأ نيح يف .ةيديلقتلا BPR يف ) ROA ( ةيحبرلا ىلع ريبك ريثأت وNPL ريثأت نم لك ةيحبر ىلع ريبك يبلس هل ) BOPO ( ليغشتلا لخدو يئزجلا ليغشتلا ءبع ) 2 ، ةيملاسلإا BPR ًضيأ ريثأت اه فيرعت فلم ىلع مهم ريغ يباجيإ ل ) LDR ( ةبسنلا عيدولل يئزج ضرق ) 3 ، يملاسلإا BPR و يديلقتلا BPR يباجيإ ريثأ ةيحبر ىلع ريبك ت اهل ) FDR ( عاديلإا ىلإ ليومتلا ةبسن نأ نيح يف .يديلقتلا BPR ريثأت هل ) ةيحبر ىلع ريبك يبلس NPL ( رثعتملا ضرقلا نيب ا ًيئزج ) 4 ، ةعيرشلا ع م ةقفاوتملا BPR و ةيديلقتلا BPR ىلع ريبك ي يف ةيحبرلا باجيإ ريثأت هل سيل ) NPF ( ىدؤملا ريغ ليومتلا نأ نيح يف .ةيديلقتلا BPR ا BPR و ةيديل قتلا BPR نيب يلاملا ءادلأا ةنراقم نأ قرفلا رابتخا ىلع ًءانب ) 5 و ، ةعيرشلا BPR ةبسن ءاد ( عاديلإا ىلإ ضرقلا أ يف نمكي فلاتخلاا نكلو ، ريبك قرف BOPO و ROA للاخ نم يلاملا ءادلأا نم اهيلإ رظني ةعيرشل ) ( رثعتملا ليومتلا وأ NPL ( رثعتم لا ضرقلا ءادأ نم هتيؤر نكميو ، ) FDR ( عاديلإا ىلإ ليومتلا ةبسن وأ ) LDR يلاملا ءادلأا :ةيحاتفملا تاملكلا .) NPF ةعير شلا BPR ، NPL / NPF ، LDR / FDR ، BOPO ، ROA) ( ةيحبرلا ،

Item Type: Thesis (Masters)
Uncontrolled Keywords: Kinerja Keuangan, Profitabilitas (ROA), BOPO, LDR/FDR, NPL/NPF, BPR Syariah
Subjects: Ekonomi
Ekonomi Islam
Divisions: PASCASARJANA > Prodi Ekonomi Islam
Depositing User: Andi Nila Nurfadhilah
Date Deposited: 15 Jul 2022 07:08
Last Modified: 15 Jul 2022 07:08
URI: http://digilib.iainkendari.ac.id/id/eprint/3665

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