Pengaruh Dana Pihak Ketiga (DPK), Non Performing Financing (NPF) dan Financing To Deposit Ratio (FDR) Terhadap Pembiayaan Murabahah Pada PT. Bank Pengkreditan Rakyat Syariah (BPRS) di Provinsi Riau dan Sumatra Barat

Paramita, Wahyuni (2020) Pengaruh Dana Pihak Ketiga (DPK), Non Performing Financing (NPF) dan Financing To Deposit Ratio (FDR) Terhadap Pembiayaan Murabahah Pada PT. Bank Pengkreditan Rakyat Syariah (BPRS) di Provinsi Riau dan Sumatra Barat. Other thesis, Universitas Islam Riau.

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Abstract

This research was conducted at PT. Bank Pengkreditan Rakyat Syariah in Riau Province and West Sumatra.. Tujuan from this research is to find out the influence of Third Party Funds (DPK) on Murabahah financing on PT. BPRS riau and West Sumatra provinces, To find out the influence of Non Performing Financing (NPF) on Murabahan financing on PT. BPRS riau and West Sumatra provinces, and to find out the effect of financing to deposit ratio (FDR) on Murabahah financing on PT. BPRS Riau and West Sumatra. In this study the population was all PT. BPRS in Riau and West Sumatra provinces totaling 9 banks. Determination of the number of samples used is by census method,so that samplesobtained in this study as many as 9 banks and data processing using linear regression analysis method multiple with SPSS program. The result of this study is partially variable Third Party Funds (DPK) has a significant effect on Murabahah financing. This indicates that third-party fund variables have a positive influence on Murabahah financing at PT. BPRS in Riau Province and West Sumatra, non-performing financing (NPF) variables affect Murabahah financing. This indicates that non-performing financing variables have a positive and significant influence on Murabahah financing in PT. BPRS in Riau and West Sumatra and variable Financing to Deposit Ratio (FDR) affect murabahah financing. This indicates that the variable Financing to Deposit Ratio has a positive and significant influence on Murabahah financing. From statistically known tests the results of F count show third party funds (DPK), Non Performing Financing (NPF) and Financing to Deposit Ratio (FDR) together have a positive and significant influence on murabahah financing at PT. BPRS in Riau and West Sumatra. Therefore, it can be concluded, namely the amount of influence of Third Party Funds (DPK), Non Performing Financing (NPF) and financing to deposit Ratio (FDR) on Murabahah financing in R Square value is 0.726 (72.6%) the remaining 27.4% was influenced by other variables not included in the study.

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