Abstract

The aim of this study is to examine the influence of effect of Asset Quality (NPF), Liquidity Level (FDR), Operating Efficiency (BOPO) and Return On Asset (ROA) on the Capital Adequacy Level by Capital Adequacy (CAR) on the general Islamic Bank listed on the Indonesian Bank in period 2012-2015. There are 11 samples in this research that is sharia BCA Bank, Muamalat Bank, Bukopin Bank, BRI Bank, Mega Bank, BNI Bank, BJB Bank, Mandiri Bank, Victoria Bank, Panin Bank and Maybank Bank. Hypotheses test used is panel data regression by carry out F Test and T test with value significant 5%. The result of F test, shows that simultaneously the NPF, FDR, BOPO and ROA have a influence on Capital Adequacy Ratio (CAR). The result of t-test,shows that ROA, FDR and BOPO are have negative influence on Capital Adequacy (CAR) and NPF have no effect towards Capital Adequacy (CAR) at Sharia Bank period 2010-2015.

Highlights

  • PENDAHULUAN Dewasa ini, perbankan Islam telah berkembang pesat, baik di negara Muslim maupun non-Muslim

  • The aim of this study is to examine the influence of effect of Asset Quality (NPF), Liquidity Level (FDR), Operating Efficiency (BOPO) and Return On Asset (ROA) on the Capital Adequacy Level by Capital Adequacy (CAR) on the general Islamic Bank listed on the Indonesian Bank in period 2012-2015

  • Hambatan dan Perkembangan Bank Syariah, data di akses tanggal 1

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Summary

Perbankan Syariah OJK Dhani Gunawan

Idhat memandang perkembangan industri keuangan syariah belakangan kinerjanya menurun. Menurunnya kinerja perbankan syariah adalah belum selarasnya visi serta kurangnya koordinasi antara pemerintah dengan otoritas dalam perkembangan perbankan syariah. Persoalan berikutnya adalah masih banyak bank syariah yang memiliki modal belum memadai yang akan menghambat bank-bank syariah dalam membuka kantor cabang, mengembangkan infrastruktur dan pengembangan segmen layanan.

Deputi Komisioner Pengawas
Rasio NPF Perbankan Syariah
Operasional dibanding Pendapatan
Kualitas Aset
Menurut Peraturan Bank Indonesia
HASIL DAN PEMBAHASAN Analisis Deskriptif
Observ ations berada pada BankMaybank Syariah
Effects Test
CAR NPF FDR BOPO
Hasil Uji Autokorelasi
Scaled explained
Pengujian ini dilakukan untuk melihat signifikansi pengaruh Kualitas
NPF FDR BOPO ROA
Sum squared resid
Operasional Terhadap Rasio
Kecukupan Modal Bank Umum
Kecukupan Modal pada Bank
Peningkatan Eksistensi Perbankan
Full Text
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