PENGARUH NET PROFIT MARGIN DAN FINANCING TO DEPOSIT RASIO TERHADAP PEMBIAYAAN DI BANK CENTRAL ASIA SYARIAH PERIODE 2010-2017

MUCHAMAD RIZKY FAUZI, 17401153082 (2019) PENGARUH NET PROFIT MARGIN DAN FINANCING TO DEPOSIT RASIO TERHADAP PEMBIAYAAN DI BANK CENTRAL ASIA SYARIAH PERIODE 2010-2017. [ Skripsi ]

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Abstract

This thesis entitled “The Influence of Net Profit Margin and Financing to Deposit Ratio toward the Financing of Bank Central Asia Syariah in period of 2010-2017” is written by Muchamad Rizky Fauzi, NIM 17401153082, Faculty Economic and Islamic Business, Islamic Banking Major, State Islamic Institute of Tulungagung, Advised by Dr. Qomarul Huda M. Ag. The background of this research is the influence of net profit margin and financing to deposit ratio toward the financing that is doing by Bank Central Asia Syariah between 2010 until 2017. A lot of financing that doing by the bank has some limitation to the limit in every financing. Such as the limitation of saving fund from the client that can used to financing. In addition every bank aimed to get maximum profit in their trade. It is makes majority their operation in trade is profit to their oriented. Statement of the problems of these research are (1) Is Net Profit Margin give the positive impact to the decision of Bank Central Asia Syariah in giving financing to the client? (2) Is Financing to Deposit Ratio give the positive impact to the decision of Bank Central Asia Syariah in giving financing to the client? (3) Is Net Profit Margin and Financing to the Deposit Ratio jointly give the significant impact to the decision of Bank Central Asia Syariah in giving financing to the client? This research uses quantitative approach by using associative approach. The sample was collected by the researcher using census technique to the annual report of PT. BCA Syariah. The data which is used in this research is secondary data that is quarterly of annual report from third quarter of 2010 until fourth quarter of 2017, the data has got from www.bcasyariah.co.id. The researcher used multiple linier regression technique to analyze the data, and it will be doing the hypothesis test using partial test and together test with significance level is 5%. This research give the result that, the variable Net Profit Margin has give the positive impact to the financing which mean that the bank exploited their financing to raise their profit. The variable Financing to Deposit Ratio in partial also has give the positive impact to the financing in Central Asia Syariah bank. This impact context happened because of the ratio of FDR is higher than 100%. While, in jointly the variable NPM and FDR give the positive and significant impact to the financing. Keywords: Net Profit Margin, Financing to Deposit Ratio, Financing

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