Pengaruh Dana Pihak Ketiga Dan Kinerja Keuangan Terhadap Pembiayaan Mudharabah
DOI:
https://doi.org/10.32493/skt.v7i1.29307Keywords:
DPK, CAR, ROA, FDR, NPF, Pembiayaan MudharabahAbstract
Tujuan dari penelitian ini adalah untuk menguji pengaruh Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Return On Assets (ROA), Financing To Deposit Ratio (FDR), dan Non-Performing Financing (NPF) terhadap pembiayaan mudharabah pada PT Bank Muamalat Indonesia tahun 2013 - 2021. Populasi penelitian ini adalah seluruh data laporan keuangan triwulan PT Bank Muamalat Indonesia yang keluar antara tahun 2013 dan 2021. Uji asumsi klasik dan uji regresi linier berganda digunakan untuk melihat korelasi data. Uji t dan uji F digunakan untuk menguji hipotesis. Analisis data menunjukkan bahwa CAR, RoA, dan FDR berpengaruh positif signifikan terhadap pembiayaan mudharabah Bank Muamalat Indonesia, NPF berpengaruh negatif signifikan, sedangkan DPK tidak berpengaruh. DPK, CAR, ROA, FDR, dan NPF secara bersamaan berpengaruh signifikan terhadap Pembiayaan Mudharabah Tahun 2013–2021 bagi Bank Muamalat Indonesia.
The purpose of this study is to examine the effect of Third Party Funds (DPK), Capital Adequacy Ratio (CAR), Return On Assets (ROA), Financing To Deposit Ratio (FDR), and Non-Perf orming Financing (NPF) on mudharabah financing at PT Bank Muamalat Indonesia in 2013 - 2021. The population of this study is all quarterly financial report data of PT Bank Muamalat Indonesia that came out between 2013 and 2021. Classical assumption tests and multiple linear regression tests are used to see data correlation. The t test and F test are used to test the hypothesis. Data analysis shows that CAR, RoA, and FDR have a significant positive effect on Bank Muamalat Indonesia's mudharabah financing, NPF has a significant negative effect, while DPK has no effect. DPK, CAR, ROA, FDR, and NPF simultaneously have a significant effect on the 2013–2021 Mudharabah Financing for Bank Muamalat Indonesia.
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