Pengaruh Risiko Keuangan Dan Dana Pihak Ketiga Terhadap Kinerja Keuangan Pada Bank Syariah Di Indonesia

Vian Deka Ratama, Haninun Haninun, Hepiana Patmarina, Herry Goenawan Soedarsa, Tina Miniawati Barusman

Abstract


Tujuan penelitian ini untuk mengetahui pengaruh manajemen risiko dan dana pihak ketiga terhadap kinerja keuangan bank Syariah Indonesia. Kiprah bank sebagai penyedia jasa keuangan tidak diragukan lagi dalam mendorong perkembangan ekonomi. Pertumbuhan bank syariah mendorong peneliti untuk mengkaji lebih dalam dunia perbankan. Pada penelitian ini menggunakan metode kuantitatif dengan menggunakan data sekunder Bank umum Syariah dari tahun 2018- 2020. Penentuan sampel menggunakan metode purposisive sampling, variable yang diuji pada penelitian ini yaitu: Funding Risk (NPF), Risiko Operational (BOPO), Liquidity Risk (LDR), Risiko Market (NIM). Berdasarkan metode purposive sampling diperoleh sebanyak 11 Bank Syariah yang memenuhi kriteria dengan jumlah data amatan sebanyak 33 data. Hasil analisis regresi menujukkan bahwa BOPO dan risiko pasar (NOM) berpengaruh pada kinerja keuangan Bank Syariah di Indonesia. Sedangkan NPF, LDR serta LDR tidak berpengaruh terhadap kinerja keuangan

Keywords


Financing Risk (NPF); Operational Risk (BOPO); Liquidity Risk (LDR); Market Risk (NIM); Return Risk; Return on Assets

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DOI: http://dx.doi.org/10.36448/jak.v13i2.2752

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