Analisis Pengaruh Capital Adequacy Ratio (CAR), Return On Asset (ROA), dan Dana Pihak Ketiga (DPK) Terhadap Pembiayaan Murabahah dengan Non Performing Financing (NPF) sebagai Variabel Moderasi pada Bank Umum Syariah Di Indonesia Periode Tahun 2017-2022
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Institusion

Sekolah Tinggi Ilmu Ekonomi Bank Bpd Jawa Tengah

Author

Zua Kumala, Galuh Dinar

Subject

HA Statistics 

Datestamp

2023-09-07 02:55:24 

Abstract :
This study aims to analyze the effect of CAR, ROA, DPK variables on murabahah financing partially & simultaneously, besides that it also examined the influence of NPF variables in moderating the relationship between the independent variable and dependent variable. This research is a quantitative study with a sample of 9 (nine) Syariah Commercial Banks for the 2017-2022 period which meets the research criteria. Secondary data is in the form Shariah Banking Statistics reports published by the Otoritas Jasa Keuangan (OJK). The analytical techniques in research are descriptive statistical tests, multiple linear regression, classical assumption tests, hypothesis testing, and MRA (Moderated Regression Analysis). Analysis tool used IBM SPSS 26. The results of the study explain that CAR has a negative but not significant effect on murabahah financing, for ROA and DPK has a significant positive effect on murabahah financing. Simultaneously CAR, ROA, DPK have a positive effect on murabahah financing. Meanwhile, the results of moderating research show that NPF does not moderate the effect of CAR, ROA, DPK on murabahah financing. Simultaneously NPF moderates the influence of CAR, ROA, DPK on murabahah financing.