Analisis Pengaruh Rasio Kesehatan Bank terhadap Kinerja Bank Umum Syariah di Indonesia Periode 2012-2018
DOI:
https://doi.org/10.32493/ekop.v2i1.9640Abstract
The main problem in this research is the slowdown in the growth of Islamic banking in Indonesia. This is thought to be caused by the soundness of the banks themselves and the decline in banking performance. This Study selects the dependent variable of the performance of Islamic banking, namely the ratio of Financing to Deposit Ratio (FDR) which represents the level of liquidity, and Return on Assets (ROA) which represents the profit of Islamic banking. As for the independent variable, this study examines financial ratio which is included in the bank health assessment ratuis according to the Bank Indonesia version which refers to the elements of Capital, Assets, Quality, Management, Earnings, Liquidity, and Sensitivity, Shile in this study applying financial ratios commonly used to measure the financial performance of banks, including Capital Adequacy Ratio (CAR), Operating Costs to Operating Income (BOPO), Net Interest Margin (NIM) in conventional banks, Net Operation Margin (NOM) in Islamic banks, Non Performing Loans (NPL) in conventional banks and Non-Performing Financing (NPF) in Islamic banks. Therefore, it is necessary to re-examine the consistency of these variables in influencing banking performance, especially Islamic banking in Indonesia. The method used in this research is panel data regression analysis. This method is also used to obtain valid and reliable data so that it can be developed as the knowledge that can be used to understand, solve and anticipate problems in organizations, especially sharia taxis. The purpose of this study was to determine and analyze the effect of the soundness ratio of Islamic banking as measured by bank health ratios, namely CAR, NPF, BOPO, and NOM on Islamic Banking Financial Performance as proxied on the level of bank profit or profitability (ROA) and the level of liquidity (FDR). The results of this study, CAR has a positive effect on ROA. Meanwhile, FRD CAR has a negative effect. NPF has a negative effect on ROA and FDR. NOM has a positive effect on ROA. Meanwhile, For FDR NOM has a negative effect. BOPO has a negative effect on ROA and FDR.
Keywords: Islamic Banking, CAR, NPF, BOPO, NOM, ROA, FDR.
References
Andriansyah, Yuli, Wibowo (2009). Kinerja Keuangan Perbankan Syariah di Indonesia dan Kontribusinya bagi Pembangunan Nasional. Jurnal Ekonomi Islam. Vol.3 No.2 Hlm 181-196.
Golin, J. (2001). The Bank Credit Abalysis Handbook.A Guide for Analysis, Bankers and Investors.Wiley Finance. Asia.
Gujarati, D.N., dan D.C. Porter. (2009). Dasar-dasar ekonometrika buku I (edisi kelima). Jakarta: Salemba Empat.
Kasmir. (2000). Manajemen perbankan. Jakarta: PT.Raja Grafindo Persada.
Mishkin, Frederic S. (2010). The Economics of Money, Banking and Financial Markets(EkonomiUang, PerbankandanPasarKeuangan) Buku 1 Edisi 8. Jakarta: Salemba Empat.
Nachrowi. Widarjono. dan Hardius Usman.(2006). Pendekatan Populer dan Praktis Ekonometrika untuk Analisis Ekonomi dan Keuangan. Jakarta: Lembaga Penerbit Fakultas Ekonomi Universitas Indonesia.
Palestine. (2008). Financial analysis for bank of Palestine (CAMEL analysis). http://ssrn.com/abstract=1329588, diakses pada tanggal 20 Juni 2020.
Peraturan Bank Indonesia. (2004). Pedoman penilaian tingkat kesehatan bank. N0. 6/10/PBI/2004 tanggal 12 April 2004. www.bi.go.id, diakses pada tanggal 15 Juni 2020
Prasetyo, Indra. Maqashid dan Shahwan (2013). Pengaruh Rasio Keungan Terhadap Kinerja Keuangan Perbankan Syariah. Tesis Universitas Diponegoro, Semarang.
Sukarno, Kartika Wahyu., Muhamad Syaichu. (2009). Analisis faktor-faktor yang mempengaruhi kinerja bank umum di Indonesia. Jurnal Studi Manajemen & Organisasi, 3(2), 46-78.
Surat Edaran Bank Indonesia. (2004). Pedoman penilaian tingkat kesehatan bank. No.6/23/DPNP tanggal 31 Mei 2004. www.bi.go.id, diakses pada tanggal 17 Juli 2020.
Surat Edaran Bank Indonesia. (2010). Kredit perbankan. Nomor 12/ 11 /DPNP tanggal 31 Maret 2010, Lampiran 14. www.bi.go.id, diakses pada tanggal 17 juli 2020.
Surat Edaran (SE) Bank Indonesia No. 13/24/DPNP tanggal 25 Oktober 2011 tentang penilaian tingkat kesehatan bank umum (Arrvida, Arifin dan Nuzula, 2014). Adapun komponen dari RGEC menurut PBI No.13/1/PBI/2011
Syofyan, Sofriza. (2002). Pengaruh struktur pasar terhadap kinerja perbankan di Indonesia. Media Riset Bisnis & Manajemen, 2(3), 194-219.
Downloads
Published
Issue
Section
License
Authors who publish with this journal agree to the following terms:- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
<a rel="license" href="http://creativecommons.org/licenses/by-sa/4.0/"><img alt="Creative Commons License" style="border-width:0" src="https://i.creativecommons.org/l/by-sa/4.0/88x31.png" /></a><br />This work is licensed under a <a rel="license" href="http://creativecommons.org/licenses/by-sa/4.0/">Creative Commons Attribution-ShareAlike 4.0 International License</a>.
