Pengaruh Likuiditas dan Variabel Eksternal Terhada

Pengaruh Likuiditas dan Variabel Eksternal Terhada mixed material bibliography Lombok STM PPM Manajemen 2016 18p; tabs; pics; refs ABSTRAK Peningkatan nilai Non Performing Financing Bank Umum Syariah akan mendatangkan ancaman bagi Industri Keuangan Syariah di Indonesia. Padahal Bank Umum Syariah sebagai gambaran Industri Keuangan Syariah Indonesia harus terus bersaing dengan Bank Konvensional yang lebih dahulu hadir di Indonesia. Selain itu, telah terbukanya Masyarakat Ekonomi Asean (MEA) mengakibatkan bertambahnya peta persaingan Bank Syariah Indonesia dengan Bank Syariah negara ASEAN lainnya terutama Malaysia. Peningkatan Non Performing Financing harus ditekan oleh para Manajemen Bank Umum Syariah di Indonesia agar tidak terus bergerak naik sehingga menenggelamkan Industri Keuangan Syariah Indonesia. Terdapat beberapa pengaruh seperti Likuiditas Bank dan Variabel Eksternal yang diduga berpengaruh terhadap Non Performing Financing Bank Umum Syariah di Indonesia. Tujuan penelitian ini adalah untuk mengetahui bagaimana pengaruh likuiditas yang diproksikan dengan Financing to Deposit Ratio (FDR), Financing to Asset Ratio (FAR), dan Reserve Requirement (RR) dan juga pengaruh variabel eksternal seperti inflasi dan nilai tukar terhadap Non Performing Financing (NPF). Untuk memecahkan masalah tersebut digunakan teknik analisis regresi linear berganda. Penelitian ini dilakukan pada 11 Bank Umum Syariah di Indonesia yang terdaftar sejak tahun 2012–2015. Berdasarkan hasil analisis, diketahui bahwa Financing to Deposit Ratio dan Financing to Asset Ratio berpengaruh positif signifikan terhadap Non Performing Financing Bank Umum Syariah di Indonesia. Diketahui pula dari hasil analisis bahwa Reserve Requirement, Inflasi, dan Nilai Tukar tidak berpengaruh pada Non Performing Financing Bank Umum Syariah di Indonesia.    Kata Kunci: NPF, FDR, FAR, RR, Variabel Eksternal ABSTRACT Increasing the value of Non-Performing Financing Islamic Banks would bring a threat to the Islamic Finance Industry in Indonesia. Though Islamic Banks as a picture of Indonesian Islamic Financial Industry must continue to compete with conventional banks were first present in Indonesia. In addition, it has been the opening of the Asean Economic Community (AEC) resulted in an increase in the competitive landscape Bank Syaria Bank Syaria Indonesia with other ASEAN countries, especially Malaysia. Increased Non Performing Financing should be suppressed by the Management of Islamic Banks in Indonesia from continuing to move up so that immerses Financial Industry Syaria in Indonesia. There are several influences such as the Bank's liquidity and External Variables are supposed to influence the Non Performing Financing Islamic Banks in Indonesia. The purpose of this research is to know how to influence liquidity proxied by Financing to Deposit Ratio, Financing to Asset Ratio and Reserve Requirement and also the influence of external variables such as inflation and the exchange rate against Non Performing Financing. To solve these problems used multiple linear regression analysis. This research was conducted at 11 Islamic Banks in Indonesia registered since 2012 to 2015. Based on the analysis, it is known that the Financing to Deposit Ratio and Financing to Asset Ratio significant positive effect on Non Performing Financing Islamic Banks in Indonesia. Note also of the results of the analysis that the Reserve Requirement, Inflation, and the Exchange Rate had no effect on Non Performing Financing Islamic Banks in Indonesia. Key words: NPF, FDR, FAR, RR, External Variable ISSN:20860390 Perpustakaan - Sekolah Tinggi Manajemen PPM Pusat Informasi Manajemen 47206 2016-12-22 00:00:00 2016-12-22 00:00:00 machine generated