PENGARUH CAPITAL ADEQUACY RATIO (CAR), DANA PIHAK KETIGA (DPK), NON PERFORMING FINANCING (NPF) DAN NET OPERATING MARGIN (NOM) TERHADAP PEMBIAYAAN MUSYARAKAH DI BANK MUAMALAT INDONESIA PERIODE 2017-2024

FIRNANDA KIRANA PUTRI, 1860401221025 and BUDI KOLISTIAWAN, 198404082014031003 (2026) PENGARUH CAPITAL ADEQUACY RATIO (CAR), DANA PIHAK KETIGA (DPK), NON PERFORMING FINANCING (NPF) DAN NET OPERATING MARGIN (NOM) TERHADAP PEMBIAYAAN MUSYARAKAH DI BANK MUAMALAT INDONESIA PERIODE 2017-2024. [ Skripsi ]

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Abstract

ABSTRAK Skripsi dengan judul “Pengaruh Capital Adequacy Ratio (CAR), Dana Pihak Ketiga (DPK), Net Performing Financing (NPF) dan Net Operating Margin (NOM) terhadap Pembiayaan Musyarakah di Bank Muamalat Indonesia Periode 2017-2024” yang ditulis oleh Firnanda Kirana Putri, NIM. 1860401221025 dengan dosen pembimbing Dr. Budi Kolistiawan, S. Pd., M.E.I. Kata kunci: Capital Adequacy Ratio, Dana Pihak Ketiga, Net Performing Financing, Net Operating Margin, dan Pembiayaan Musyarakah. Penelitian ini dilatarbelakangi oleh peran perbankan syariah sebagai lembaga penghimpun dan penyalur dana masyarakat. Salah satu produk pembiayaan yang ditawarkan adalah pembiayaan berbasis kerja sama bagi hasil melalui akad musyarakah. Namun, pembiayaan musyarakah di Bank Muamalat Indonesia selama periode 2017–2024 mengalami perkembangan yang fluktuatif, dengan penurunan yang cukup signifikan terjadi pada triwulan IV tahun 2021. Penyaluran pembiayaan ini dapat dipengaruhi oleh beberapa faktor internal bank, seperti Capital Adequacy Ratio (CAR), Dana Pihak Ketiga (DPK), Non-Performing Financing (NPF), dan Net Operating Margin (NOM). Penelitian ini bertujuan untuk menguji pengaruh CAR, DPK, NPF, dan NOM baik secara parsial maupun simultan terhadap pembiayaan musyarakah pada Bank Muamalat Indonesia. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian asosiatif. Teknik pengambilan sampel menggunakan non-probability sampling dengan metode purposive sampling. Data yang digunakan adalah data sekunder berupa laporan keuangan triwulan Bank Muamalat Indonesia yang diperoleh dari website resmi bank dan Otoritas Jasa Keuangan. Teknik analisis data menggunakan regresi linear berganda dengan beberapa pengujian, yaitu uji normalitas, uji asumsi klasik, uji regresi linear berganda, uji t, uji F, dan uji kebaikan model. Hasil penelitian menunjukkan bahwa secara parsial CAR berpengaruh negatif dan signifikan terhadap pembiayaan musyarakah, DPK berpengaruh positif dan signifikan, NPF tidak berpengaruh signifikan, serta NOM berpengaruh positif dan signifikan terhadap pembiayaan musyarakah pada Bank Muamalat Indonesia. Secara simultan, CAR, DPK, NPF, dan NOM berpengaruh positif dan signifikan terhadap pembiayaan musyarakah pada Bank Muamalat Indonesia. ABSTRACT The thesis with the title "The Influence of Capital Adequacy Ratio (CAR), Third Party Funds (DPK), Net Performing Financing (NPF) and Net Operating Margin (NOM) on Musyarakah Financing at Bank Muamalat Indonesia for the 2017-2024 Period" written by Firnanda Kirana Putri, NIM. 1860401221025 with supervisor Dr. Budi Kolistiawan, S. Pd., M.E.I. Keywords: Capital Adequacy Ratio, Third-Party Funds, Net Performing Financing, Net Operating Margin, and Musyarakah Financing. This research is motivated by the role of Islamic banking as an institution for collecting and distributing public funds. One of the financing products offered is profit-sharing financing through a musyarakah contract. However, musyarakah financing at Bank Muamalat Indonesia experienced fluctuating developments during the 2017–2024 period, with a significant decline occurring in the fourth quarter of 2021. This financing distribution can be influenced by several internal bank factors, such as the Capital Adequacy Ratio (CAR), Third Party Funds (DPK), Non-Performing Financing (NPF), and Net Operating Margin (NOM). This study aims to examine the influence of CAR, DPK, NPF, and NOM, both partially and simultaneously, on musyarakah financing at Bank Muamalat Indonesia. This study uses a quantitative approach with an associative research type. The sampling technique used is non-probability sampling with the purposive sampling method. The data used in this study are secondary data in the form of quarterly financial reports of Bank Muamalat Indonesia obtained from the official website of the bank and the Financial Services Authority. The data analysis technique uses multiple linear regression with several tests, including normality test, classical assumption test, multiple linear regression test, t-test, F-test, and model fit test. The results show that partially, CAR has a negative and significant effect on musyarakah financing, DPK has a positive and significant effect, NPF has no significant effect, and NOM has a positive and significant effect on musyarakah financing at Bank Muamalat Indonesia. Simultaneously, CAR, DPK, NPF, and NOM have a positive and significant effect on musyarakah financing at Bank Muamalat Indonesia.

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