SORAYA, RENA (2025) PERAN RISIKO PEMBIAYAAN DALAM MEMODERASI DETERMINAN KESEHATAN BANK PADA BANK UMUM SYARIAH PERIODE 2021-2023. Master thesis, UNIVERSITAS SULTAN AGENG TIRTAYASA.
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Abstract
This study was conducted with the aim of exploring and examining the essence of the company's ability to stabilize the bank's health level as seen from the Capital Adequacy Ratio (CAR) by considering the determinants of the capital adequacy ratio in the form of size and liquidity, which in this case are studied in more depth using financing risk as a moderating variable and operational efficiency as a control variable in Islamic Commercial Banks for the 2021-2023 period. This study uses secondary data from financial reports published by each Islamic Commercial Bank with a sample in the study of 12 Islamic Commercial Banks with a sampling technique using Purposive Sampling. The data analysis technique used is the Moderated Regression Analysis (MRA) panel data test using StataMP 18 software. The results of this study indicate that Size, Liquidity (FDR), Financing Risk have a significant negative effect on Bank Health (CAR), BOPO has a positive significant effect on Bank Health (CAR), Financing Risk strengthens the negative relationship between Size and CAR with Financing Risk as a Quasi Moderator, while the interaction between Financing Risk and Liquidity (FDR) has a positive effect on CAR but is not significant with Financing Risk as a Predictor Moderator.
| Item Type: | Thesis (Master) | |||||||||
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| Additional Information: | Penelitian ini dilakukan bertujuan untuk mengeksplorasi dan mengkaji esensi dari kemampuan perusahaan untuk menstabilkan tingkat kesehatan bank dilihat dari rasio kecukupan modal/Capital Adequacy Ratio (CAR) dengan memperhatikan determinan dari rasio kecukupan modal berupa size dan likuiditas yang dalam hal ini dikaji lebih dalam menggunakan risiko pembiayaan sebagai variabel moderasi dan efisiensi operasional sebagai variabel kontrol pada Bank Umum Syariah Periode 2021-2023. Penelitian ini menggunakan data sekunder yang berasal dari laporan keuangan yang dipublish oleh masing-masing Bank Umum Syariah dengan sampel dalam penelitian sebanyak 12 Bank Umum Syariah dengan teknik pengambilan sampel menggunakan Purposive Sampling. Adapun Teknik analisa data yang digunakan adalah Uji Moderated Regression Analysis (MRA) data panel menggunakan software StataMP 18. Hasil penelitian ini menunjukkan bahwa Size, Likuiditas (FDR), dan Risiko Pembiayaan berpengaruh negatif signifikan terhadap Kesehatan Bank (CAR), BOPO berpengaruh positif signifikan terhadap Kesehatan Bank (CAR), Risiko Pembiayaan memperkuat hubungan negatif Size terhadap CAR dengan Risiko Pembiayaan bertindak sebagai Quasi Moderator, sementara interaksi Risiko Pembiayaan dengan Likuiditas (FDR) berpengaruh positif terhadap CAR tetapi tidak signifikan dengan Risiko Pembiayaan bertindak sebagai Predictor Moderator. | |||||||||
| Uncontrolled Keywords: | CAR, SIZE, FDR, NPF, BOPO CAR, SIZE, FDR, NPF, BOPO | |||||||||
| Subjects: | H Social Sciences > H Social Sciences (General) H Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management |
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| Divisions: | 08 Pascasarjana > 61101-Magister Manajemen | |||||||||
| Depositing User: | RENA SORAYA | |||||||||
| Date Deposited: | 19 Aug 2025 07:01 | |||||||||
| Last Modified: | 19 Aug 2025 07:01 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/52165 |
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