PENGARUH RASIO KEUANGAN TERHADAP PEMBIAYAAN MURABAHAH DI BANK PEMBIAYAAN RAKYAT SYARIAH ADECO LANGSA TAHUN 2013-2016
Abstract
The independent variables in this study are deposits and financial ratios of sharia banks which consist of NPF and FDR ratios. This study aims to determine and analyze the effect of DPK, NPF and FDR on Murabahah financing in the SRB. This study used secondary data, which is the form of published Financial Statements of banks obtained from the website of Bank Indonesia. The bank's financial report used is quarterly financial report at Adeco Langsa Syariah Adequacy Bank. The data were then analysed by using the classical assumption method using multiple linear regression analysis, determination coefficient, F test or simultaneous test and t test or partial test. Hypothesis in this research is DPK, and financial ratio of NPF and ROE bank partially has significant effect to Murabahah financing, while simultaneously from the three variables have a significant effect on the provision of financing. The method used in this study is multiple regressions. The results of this study indicated that DPK and FDR variables have no significant effect on murabahah financing, while NPF affects.
Moraref