Abstrak

Baca Juga : PENGARUH CAPITAL ADEQUACY RATIO, PEMBIAYAAN MUSYARAKAH DAN TINGKAT MARJIN MURABAHAH TERHADAP FINANCING TO DEPOSIT RATIO (STUDI PADA BANK UMUM SYARIAH DI INDONESIA) (Andi Irawan, 2018) ,

Baca Juga : PENGARUH KINERJA BANK, SOLVABILITAS, LIKUIDITAS, DAN NON PERFORMING FINANCING TERHADAP RISIKO LIKUIDITAS PADA BANK UMUM SYARIAH DI INDONESIA (Cut Dini Monisa, 2018) ,

ujian hipotesis, penelitian ini menggunakan analisis regresi linear berganda. hasil penelitian ini menunjukkan bahwa secara simultan keseluruhan variabel independen mempengaruhi variabel dependen. pengujian secara parsial memperlihatkan hasil bahwa hanya variabel capital adequacy ratio saja yang mempengaruhi financing to deposit ratio. sedangkan variabel independen lainnya yaitu pembiayaan musyarakah dan tingkat margin murabahah tidak berpengaruh terhadap financing to deposit ratio. kata kunci: financing to deposit ratio, capital adequacy ratio, pembiayaan musyarakah, tingkat margin murabahah. abstract islamic banks are a financial industry that relies on financing to support its performance. this is often attributed to the financing ratio (fdr). financing to deposit ratio (fdr) itself is the ratio between the amount of the entire volume of financing channeled by the bank and the amount of funds received from various sources. finally to finance to deposit ratio (fdr) is also a financial ratio of banking companies that deal with liquidity aspects the population in this study are all sharia commercial banks in indonesia that meet the criteria as the object of research, which amounted to 11 bank. the sampling technique used is purposive sampling. the data used is the annual financial statements of banks for the period 2013 sd 2015 obtained from the sites of each bank. with the total unit of analysis amounted to 33 financial statements of sharia banks over a period of 3 years. data analysis used with classical assumption test and hypothesis testing, this research use multiple linear regression analysis. the results of this study indicate that simultaneously all independent variables affect the dependent variable. partial test shows the result that only variable of capital adequacy ratio only influence financing to deposit ratio. while other independent variables are musyarakah financing and margin murabaha level does not affect the financing to deposit ratio. keywords: financing to deposit ratio, capital adequacy ratio, musyarakah financing, margin murabaha

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