pengaruh Pengaruh Capital Adequacy Ratio (CAR) Terhadap Financing to Deposit Ratio (FDR)
Pada BPR Syariah di Kabupaten Garut.
Abstract
Financing to Deposit Ratio (FDR) growth index at one of the Sharia BPRs in Kab. Garut, namely BPR Syariah Harum Himah Nugraha, has experienced declines and increases in the last 5 years. The decline in the Financing to Deposit Ratio (FDR) is mainly thought to be due to problems in the distribution of financing which have an impact on society, especially MSMEs, causing bank installments to not run well, making it difficult for banks to control their liquidity. Several previous studies such as from Rufaidah, Djuwarsa and Danisworo (2021) show that the Capital Adequacy Ratio (CAR) has a positive and significant effect on the Financing to Deposit Ratio (FDR). This research uses quantitative research methods with a descriptive approach. Based on the research results showing simple linear regression analysis, correlation test, determination test and hypothesis test, the Capital Adequacy Ratio (CAR) has a relationship with the Financing to Deposit Ratio (FDR) with a moderate relationship direction, namely 59.6%.References
Arifin, Z. 2019. Dasar-Dasar Manajemen Bank syariah Edisi Revisi. Jakarta: Azkia Publisher.
Darmawan. 2020. Dasar-Dasar Memahami Rasio dan Laporan Keuangan.
Pandia, F. 2018. Manajemen Dana dan Kesehatan Bank. Bandung: Rineka Cipta.
Rufaidah, I. K., Djuwarsa, T., dan Danisworo, D. S. 2021. Pengaruh DPK ,CAR, BOPO dan NPF terhadap Likuiditas pada Bank Umum Syariah di Indonesia periode 2015-2019. Journal of Applied Islamic Economics and Finance, 2(1), 187–197.
Saputro, K. Y., dan Wildaniyati, A. 2021. Pengaruh Dana Pihak Ketiga ,Capital Adequacy Ratio (CAR) dan Non Performing Financing (NPF) Terhadap Likuiditas Perbankan Syariah Di Indonesia Tahun 2015-2019. EKOMAKS : Jurnal Manajemen, Ilmu Ekonomi Kreatif Dan Bisnis, 10(1), 14–19.
Septiana, L., dan Artati, D. 2022. Analisis Pengaruh Capital Adequacy Ratio, Non Performing Finance , Biaya Operasional Pendapatan Operasional dan Return On Asset terhadap Likuiditas di OJK Periode 2016-2019. JBMA : Jurnal Bisnis Manajemen Dan Akuntansi, IX(2), 120–134.
Setyawati, I. 2018. Bank Umum Syariah di Indonesia Yogyakarta: Expert.
Utami, M. S. M., dan Muslikhati. 2019. Pengaruh Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF) terhadap Likuiditas Bank Umum Syariah. FALAH Jurnal Ekonomi Syariah, 4(1), 33– 43.
Yogyakarta: UNY Press.
Darmawan. 2020. Dasar-Dasar Memahami Rasio dan Laporan Keuangan.
Pandia, F. 2018. Manajemen Dana dan Kesehatan Bank. Bandung: Rineka Cipta.
Rufaidah, I. K., Djuwarsa, T., dan Danisworo, D. S. 2021. Pengaruh DPK ,CAR, BOPO dan NPF terhadap Likuiditas pada Bank Umum Syariah di Indonesia periode 2015-2019. Journal of Applied Islamic Economics and Finance, 2(1), 187–197.
Saputro, K. Y., dan Wildaniyati, A. 2021. Pengaruh Dana Pihak Ketiga ,Capital Adequacy Ratio (CAR) dan Non Performing Financing (NPF) Terhadap Likuiditas Perbankan Syariah Di Indonesia Tahun 2015-2019. EKOMAKS : Jurnal Manajemen, Ilmu Ekonomi Kreatif Dan Bisnis, 10(1), 14–19.
Septiana, L., dan Artati, D. 2022. Analisis Pengaruh Capital Adequacy Ratio, Non Performing Finance , Biaya Operasional Pendapatan Operasional dan Return On Asset terhadap Likuiditas di OJK Periode 2016-2019. JBMA : Jurnal Bisnis Manajemen Dan Akuntansi, IX(2), 120–134.
Setyawati, I. 2018. Bank Umum Syariah di Indonesia Yogyakarta: Expert.
Utami, M. S. M., dan Muslikhati. 2019. Pengaruh Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF) terhadap Likuiditas Bank Umum Syariah. FALAH Jurnal Ekonomi Syariah, 4(1), 33– 43.
Yogyakarta: UNY Press.
Published
2024-10-25
How to Cite
eldiani, nita. (2024). pengaruh Pengaruh Capital Adequacy Ratio (CAR) Terhadap Financing to Deposit Ratio (FDR). PRISMAKOM, 22(1), 43-48. https://doi.org/10.54918/prismakom.v22i2.119
Section
Articles
Copyright (c) 2024 PRISMAKOM
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
The submitted paper is assumed not to contain proprietary materials that are not protected by patent rights or patent applications
