Pengaruh Rasio Capital Adequacy Ratio, Non Performing Loan, Loan to Deposit Ratio terhadap Return On Asset di PT Bank Muamalat Indonesia periode 2014-2018

ABSTRACT

Devi Nurul Pujianti. 2019. Effects of Capital Adequacy Ratio, Non Performing Loans, Loan to Deposit Ratio on Return On Assets at PT Bank Muamalat Indonesia for the period 2014-2018. Thesis, Department of Sharia Banking STIBANKS Al Ma’soem Jatinangor. Supervisor: Nur’aeni., S.E., M.E.Sy. Thesis CHAPTER I-V, 58 pages, 27 appendices.

Based on the results of the study, that the background of this study is the occurrence of fluctuations in the Capital Adequacy Ratio, Non Performing Loans, and Loan to Deposit Ratio that can affect the Return On Assets at PT Bank Muamalat Indonesia. This study aims to find out how to influence the Capital Adequacy Ratio on Return On Assets, find out how the influence of Non Performing Loans on Return On Assets, find out how the influence of Loan to Deposit Ratio on Return On Assets at PT Bank Muamalat Indonesia. 

The object of research in this report is the financial statements of PT Bank Muamalat Indonesia. The type of research is Quantitative Associative and the type of data is secondary data and uses data collection techniques in the form of literature studies and documentation. While the sampling technique is purposive sampling, the population is the entire financial statements of PT Bank Muamalat Indonesia and the sample is the 2014-2018 quarterly financial statements. 

The results showed that there was a significant effect between the Capital Adequacy Ratio on Return on Assets and the results of tcount> ttable (3,822> 2,120), there was no significant effect between Non Performing Loans on Return on Assets with the results of tcount Ftable (6.001> 3.24). 

Keywords: Capital Adequacy Ratio, Non Performing Loans, Loan to Deposit Ratio.

ABSTRAK

Devi Nurul Pujianti. 2019. Pengaruh Rasio Capital Adequacy Ratio, Non Performing Loan, Loan to Deposit Ratio terhadap Return On Asset di PT Bank Muamalat Indonesia periode 2014-2018. Skripsi, Jurusan Perbankan Syariah STIBANKS Al Ma’soem Jatinangor. Pembimbing : Nur’aeni., S.E., M.E.Sy. Skripsi BAB I-V, 58 Halaman, 27 Lampiran.

Berdasakan hasil penelitian, bahwa yang melatarbelakangi penelitian ini adalah terjadinya fluktuasi pada Capital Adequacy Ratio, Non Performing Loan, dan Loan to Deposit Ratio yang dapat mempengaruhi Return On Asset  di PT Bank Muamalat Indonesia.

Penelitian ini bertujuan untuk mengetahui bagaimana pegaruh Capital Adequacy Ratio terhadap Return On Asset, mengetahui bagaimana pengaruh Non Performing Loan terhadap Return On Asset, mengetahui bagaimana pengaruh Loan to Deposit Ratio terhadap Return On Asset di PT Bank Muamalat Indonesia.

Objek penelitian pada laporan ini adalah laporan keuangan PT Bank Muamalat Indonesia.  Jenis penelitiannya adalah Asosiatif Kuantitatif dan jenis datanya adalah data sekunder serta menggunakan teknik pengumpulan data berupa studi pustaka dan dokumentasi.  Sedangkan teknik pengambilan sampelnya adalah purposive sampling, dengan populasi adalah seluruh laporan keuangan PT Bank Muamalat Indonesia dan sampelnya adalah laporan keuangan triwulan periode 2014-2018.

Hasil penelitian menunjukkan bahwa terdapat pengaruh yang signifikan antara Capital Adequacy Ratio terhadap Return On Asset dengan hasil thitung > ttabel (3,822>2,120), tidak ada pengaruh yang signifikan antara Non Performing Loan terhadap Return On Asset dengan hasil thitung < ttabel  (-1,320<2,120), tidak ada pengaruh yang signifikan antara Loan to Deposit  Ratio terhadap Return On Asset dengan hasil uji thitung < ttabel (1,782<22,120). Dan secara simultan terdapat pengaruh yang signifikan antara Capital Adequacy Ratio, Non Performing Loan, Loan to Deposit Ratio terhadap Return On Asset dengan hasil Fhitung > Ftabel (6,001>3,24).

Kata Kunci : Capital Adequacy Ratio, Non Performing Loan, Loan to Deposit Ratio.