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.