Pengaruh Penerapan Good Corporate Governance, Pertumbuhan Pembiayaan, Return On Asset, dan Financing to Deposit Ratio terhadap Non Performing Financing pada Bank Umum Syariah periode 2015-2017

Abstract

Abstract. Risk profile can cause large losses due to worsening NPF levels. Risk profile can cause a large loss for the bank if it cannot be detected and managed properly. This study aims to determine the effect of the implementation of Good Corporate Governance, Financing Growth, Return on Assets and Financing to Deposit Ratio on Non Performing Financing. This study uses a descriptive method with survey techniques on Islamic banking registered in the Financial Services Authority (OJK) in 2015-2017 with secondary analysis using quantitative methods. The analytical tool used is multiple linear regression analysis with the help of the SPSS Statistics 25 program. The results of this study indicate the Application of Good Corporate Governance, Financing Growth, Return on Assets and Financing to Deposit Ratio to Non Performing Financing simultaneously. Research Results on the effect of the Implementation of Good Corporate Governance, Financing Growth, Return on Assets and Financing to Deposit Ratio on Simultaneous Non Performing Financing, the effect of variables of GCG Implementation (X1), Financing Growth (X2), Return on Assets (X3) and Financing to Deposit Ratio (FDR) (X4) to Non Performing Financing (Y) is 36.4%, while the remaining 63.6% is influenced by other variables. While the Financing to Deposit Ratio variable to Non Performing Financing.

Keywords: Implementation of Good Corporate Governance, Financing Growth, Return on Assets, Financing to Deposit Ratio, Non Performing Financing

 

Abstrak. Risiko kredit dapat menimbulkan kerugian besar akibat memburuknya tingkat NPF. Risiko kredit dapat menimbulkan kerugian yang besar bagi bank apabila tidak dapat dideteksi dan dikelola dengan semestinya. Penelitian ini bertujuan untuk mengetahui Pengaruh Penerapan Good Corporate Governance, Pertumbuhan Pembiayaan, Return on Assets dan Financing to Deposit Ratio terhadap Non Performing Financing. Penelitian ini menggunakan metode deskriptif dengan teknik survei pada perbankan syariah yang terdaftar di Otoritas Jasa Keuangan (OJK) pada tahun 2015-2017 dengan analisis sekunder menggunakan metode kuantitatif. Alat analisis yang digunakan adalah analisis regresi linier berganda dengan bantuan program SPSS Statistic 25. Hasil penelitian ini menunjukan adanya Penerapan Good Corporate Governance, Pertumbuhan Pembiayaan, Return on Assets dan Financing to Deposit Ratio terhadap Non Performing Financing secara simultan. Hasil Penelitian tentang pengaruh Penerapan Good Corporate Governance, Pertumbuhan Pembiayaan, Return on Assets dan Financing to Deposit Ratio terhadap Non Performing Financing Secara Simultan,  pengaruh variabel-variabel Penerapan GCG (X1), Pertumbuhan Pembiayaan (X2),  Return on Assets (X3) dan Financing to Deposit Ratio (FDR) (X4) terhadap Non Performing Financing (Y) sebesar 36,4%, sedangkan sisanya 63,6% dipengaruhi oleh variabel lainnya. Sedangkan variabel Financing to Deposit Ratio terhadap Non Performing Financing.

Kata Kunci :Penerapan Good Corporate Governance, Pertumbuhan Pembiayaan, Return on Assets, Financing to Deposit Ratio, Non Performing Financing