AN EFFECT OF FINANCING TO DEPOSIT RATIO ON FINANCIAL PERFORMANCE OF ISLAMIC PEOPLE'S FINANCING BANKS IN NORTH SUMATRA
Abstract
The purpose of this study was to evaluate the Financial Performance of Islamic People's Financing Banks in North Sumatra. Specifically to analyze the effect of the Financing to Deposit Ratio (FDR) on Return On Equity (ROE). The research approach uses Quantitative with Panel Data Types for 2017 – 2021, Panel Data Multiple Linear Regression analysis techniques. The results of this study are: Financing to Deposit Ratio (FDR) has no partial effect on Return On Equity (ROE) at Islamic People's Financing Banks in North Sumatra.
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Asiyah. (2015). Management Financing Bank Sharia. Yogyakarta: Kalimedia.
Firdausa, Rosetyadi Artistyan. (2012). Effect of Capital Initial, Length of Business, and Working Hours to
Revenue of Kiosk Traders in Bintaro Market Demak. Semarang: University Diponegoro.
Farid Jamal, Yudahanta, Robiatul Auliyah. (2013). The Effect of Mudharabah Financing on Development
Business Micro, Small And Intermediate.
Fitri, Y. S., Ningsih, L., Permana, Y., Hadi, S., Supriyanto, D., Suhada, A. N., Firmansyah, H., & Athoillah, M. A.
(2020). Profit Sharing Ratio In Islamic Economics: The Concept Of Justice In Mudārabah. European
Journal Of Molecular And Clinical Medicine.
Fajria, A. U. (2021). Financing To Deposit Ratio (FDR). Jakarta: Warta Ekonomi.
https://www.wartaekonomi.co.id/read321611/apa-itu-financing-to-deposit-ratio.
Humaidillah, M. (2021). Profit Sharing System on Mudharabah Financing Products. WADIAH.
https://doi.org/10.30762/wadiah.v4i2.3172.
Kusuma, E. (2021). Financing To Deposit Ratio (FDR) Dan Capital Adequacy Ratio (CAR) Pada Penyaluran
Pembiayaan Sektor UMKM Pada BPRS Di Indonesia Periode 2015-2019. Jurnal Pendidikan Agama
Islam.
Mukhtar. (2013). Descriptive Research Methods Qualitative. Jakarta: GP Press Group. Regulation Government
No. 17 Year 2013. Implementation Constitution Number 20 2008 concerning Micro and Small
Enterprises Intermediate.
Masrizal, M., Widiastuti, T., Mawardi, I., & Wisudanto, W. (2020). Analysis Of Return On Equity, Current Ratio
And Debt To Equity Ratio On Islamic Stock Price Jakarta Islamic Index. In Advances in Business,
Management and Entrepreneurship. https://doi.org/10.1201/9780429295348-69.
Mulyani, S. (2021). Pengaruh Non Performing Financing (NPF), Financing To Deposit Ratio (FDR) Dan Capital
Adquacy Ratio (CAR) Terhadap Return On Equity (ROE) Bank Syariah. An-Nisbah: Jurnal Perbankan
Syariah. https://doi.org/10.51339/nisbah.v2i2.315.
Nugroho, A.A., & Yudiantoro, D. (2022). Analisis Pengaruh ROA, ROE, Dan FDR Terhadap Kinerja Keuangan
Pada BRI Syariah Periode 2019-2021. Jurnal Perspektif Ekonomi Darussalam.
Putra, B. R., & Alexandri, M. B. (2020). Peran Rasio Keuangan Dan Kinerja Keuangan Perusahaan.
Responsive. https://doi.org/10.24198/responsive. v3i2.29131.
Risky, J., & Caesar, A. (2020). Pengaruh Intellectual Capital, Non Performing Financing (NPF), & Financing To
Deposit Ratio (FDR) Terhadap Kinerja Keuangan Bank Syariah Tahun 2014-2018. Jurnal Ilmu
Manajemen.
Rahmad Annam. (2020). Islamic Bank Audit. Jakarta: golden.
Rheny, S. (2021). Rasio Keuangan. Ekrut Media: https://www.ekrut.com/media/ rasio-keuangan.
Surat Edaran Otoritas Jasa Keuangan Nomor: 28/SEOJK.03/2019. Tentang Sistem Penilaian Tingkat
Kesehatan Bank Pembiayaan Rakyat Syariah. OJK.
Safii, M. A. (2020). Return On Equity: Alokasi Dana Zakat, Profit Sharing Financing Dan Good Corporate
Governance Pada Bank Umum Syariah Di Indonesia. RELEVANCE : Journal of Management and
Business. https://doi.org/10. 22515/relevance.v2i2.2095.
Somantri, Y. F., & Sukmana, W. (2020). Analisis Faktor- Faktor yang Mempengaruhi Financing to Deposit Ratio
(FDR) pada Bank Umum Syariah di Indonesia. Berkala Akuntansi Dan Keuangan Indonesia.
https://doi.org/10.20473/baki.v4i2.18404.
Syachreza, D., & Mais, R. G. (2020). Analisis Pengaruh CAR, NPF, FDR, Bank Size, BOPO Terhadap Kinerja
Keuangan Bank Umum Syariah Di Indonesia. Jurnal Akuntansi Dan Manajemen.
https://doi.org/10.36406/ jam.v17i01.326.
Sri Wahyuni, & Muhammad Wahyuddin Abdullah. (2021). Accountability Based on Sharia Enterprise Theory in
Creating a Sustainable Economy. BALANCA: Journal of Islamic Economics and Business.
https://doi.org/10.35905/balanca.v3i01.1986.
Yenti, E., Handayani, S. D., & Fitria, N. (2021). Pengaruh Financing To Deposit Ratio Terhadap Return On
Asset Pada PT. BPR Syariah Al-Makmur Limbanang Kabupaten Lima Puluh Kota Periode 2012-2019.
Jurnal Akuntansi Syariah (JAS). https://doi.org/10.31958/jaksya.v1i1.2795.
Published
2023-08-07
How to Cite
NASUTION, Nina Andriany.
AN EFFECT OF FINANCING TO DEPOSIT RATIO ON FINANCIAL PERFORMANCE OF ISLAMIC PEOPLE'S FINANCING BANKS IN NORTH SUMATRA.
Proceeding International Conference of Science Technology and Social Humanities, [S.l.], v. 1, p. 477 - 485, aug. 2023.
Available at: <https://jurnal.pancabudi.ac.id/index.php/icesshi/article/view/4628>. Date accessed: 05 nov. 2024.
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Articles
