S PEA 0900633 Table Of Content
DAFTAR ISI
ABSTRAK ..............................................................................................
i
ABSTRACT ............................................................................................
ii
KATA PENGANTAR ............................................................................
iii
UCAPAN TERIMA KASIH ..................................................................
iv
DAFTAR ISI ...........................................................................................
vii
DAFTAR TABEL ..................................................................................
x
DAFTAR GAMBAR ..............................................................................
xi
BAB I PENDAHULUAN .......................................................................
1
1.1Latar BelakangPenelitian .....................................................................
1
1.2Rumusan Masalah ................................................................................
7
1.3Maksud&TujuanPenelitian ...................................................................
8
1.3.1 Maksud Penelitian ................................................................
8
1.3.2 Tujuan Penelitian .................................................................
8
1.4KegunaanPenelitian .............................................................................
8
1.4.1 Kegunaan Penelitian .............................................................
8
1.4.2 Kegunaan Praktis ..................................................................
9
BAB II KAJIAN PUSTAKA, KERANGKA PEMIKIRAN DAN
HIPOTESIS ....................................................................................
2.1Kajian Pustaka .....................................................................................
10
2.1.1Bank Syariah ...............................................................................
10
2.1.1.1 Pengertian Bank Syariah ........................................
10
2.1.1.2 Falsafah Operasional Bank Syariah ........................
11
2.1.1.3 Fungsi dan Peran Perbankan Syariah ........................
12
2.1.1.4 Karakteristik Dasar Bank Syariah ...................................
14
2.1.1.5Ciri-Ciri Bank Syariah .....................................................
14
vii
Ratih Purnama, 2014
PENGARUH KECUKUPAN MODAL DAN KUALITAS ASET TERHADAP PROFITABILITAS PADA BANK
BRI SYARIAH
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
2.1.2 Kecukupan Modal ......................................................................
16
2.1.3 Kualitas Aset ..............................................................................
18
2.1.4Profitabilitas ................................................................................
21
2.1.5Pengaruh Kecukupan Modal terhadapProfitabilitas......................
23
2.1.6 Pengaruh Kualitas Aset terhadap Profitabilitas .....................
24
2.1.7Penelitian Terdahulu ...............................................................
25
2.2Kerangka Pemikiran.............................................................................
26
2.3Hipotesis ..............................................................................................
30
BAB III OBYEK DAN METODE PENELITIAN ...............................
31
3.1 ObyekPenelitian ..................................................................................
31
3.2 MetodePenelitian ................................................................................
31
3.2.1 DesainPenelitian .........................................................................
31
3.2.2 Definisi dan Operasionalisasi Variabel .......................................
32
3.2.2.1 Definisi Variabel ............................................................
32
3.2.2.2 Operasionalisasi Variabel ...............................................
33
3.2.3 Populasi dan Sampel Penelitian ..................................................
35
3.2.4 TeknikPengumpulan Data .........................................................
35
3.2.5 Teknik Analisis Data .................................................................
36
3.2.5.1 Uji Asumsi Klasik .........................................................
36
3.2.5.2Rancangan Pengujian Hipotesis ......................................
38
BAB IV HASIL PENELITIAN DAN PEMBAHASAN ......................
41
4.1
Hasil Penelitian ..............................................................................
41
4.1.1 Gambaran Umum Obyek Penelitian .....................................
41
4.1.1.1 Sejarah Singkat PT. Bank BRI Syariah ...................
41
4.1.1.2 Visi dan Misi Bank BRI Syariah ............................
43
4.1.1.3 Perkembangan Modal dan Aset Bank BRI Syariah .
43
4.1.2 Deskripsi Data Variabel Penelitian ......................................
45
4.1.2.1 Deskripsi Kecukupan Modal ..................................
46
4.1.2.2 Deskripsi Kualitas Aset ..........................................
49
4.1.2.3 Deskripsi Profitabilitas ...........................................
viii
52
Ratih Purnama, 2014
PENGARUH KECUKUPAN MODAL DAN KUALITAS ASET TERHADAP PROFITABILITAS PADA BANK
BRI SYARIAH
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
4.1.3 Analisis Startistik ..........................................................................
54
4.1.3.1 Analisis Statistik Deskriptif .....................................
54
4.1.3.2 Uji Asumsi Klasik ......................................................................
56
4.1.3.2.1 Uji Normalitas .........................................
56
4.1.3.2.2 Uji Multikolinieritas ................................
57
4.1.3.2.3 Uji Heteroskedastisitas ............................
58
4.1.3.2.4 Uji Autokorelasi ......................................
59
4.1.3.3 Rancangan Pengujian Hipotesis ...............................
60
4.1.3.3.1 Analisis Regresi Linier Berganda .............
60
Pembahasan ...................................................................................
64
4.2
4.2.2 Pengaruh Kecukupan Modal terhadap Profitabilitas Pada Bank
BRI Syariah ..............................................................................
64
4.2.3 Pengaruh Kualitas Aset terhadap Profitabilitas Pada Bank BRI
Syariah .................................................................................
65
BAB V SIMPULAN DAN SARAN .....................................................
67
5.1
Simpulan ........................................................................................
67
5.2
Saran ..............................................................................................
67
DAFTAR PUSTAKA
LAMPIRAN
ix
Ratih Purnama, 2014
PENGARUH KECUKUPAN MODAL DAN KUALITAS ASET TERHADAP PROFITABILITAS PADA BANK
BRI SYARIAH
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
DAFTAR TABEL
Tabel 1.1
Perkembangan BUS, UUS, dan BPRS di Indonesia Hingga
Tahun 2013 ............................................................................. 3
Tabel 1.2
ROE Bank BRI Syariah Kuartal I tahun 2009 – Kuartal III
Tahun 2013 ............................................................................. 4
Tabel 2.1
Penelitian Terdahulu ................................................................. 25
Tabel 3.1
Operasionalisasi Variabel ........................................................ 34
Tabel 4.1
Modal Bank BRI Syariah Periode 2009-2012 .......................... 44
Tabel 4.2
Total Aset Bank BRI Syariah Periode 2009-2013 .................... 45
Tabel 4.3Capital Adequacy Ratio (CAR) Bank BRI Syariah Periode
2009-2013 ............................................................................... 46
Tabel 4.4Non Performing Financing (NPF) Bank BRI Syariah Periode
2009-2013 .................................................................................. 49
Tabel 4.5 Return On Asset (ROA) Bank BRI Syariah Periode
2009-2013 .................................................................................. 52
Tabel 4.6
Statistik Deskriptif Variabel .................................................... 55
Tabel 4.7Hasil Uji Multikolinieritas ............................................................. 58
Tabel 4.8 Hasil Uji Autokorelasi ................................................................. 60
Tabel 4.9
Hasil Analisis Regresi Berganda .............................................. 61
Tabel 4.10Hasil Koefesien Determinasi ....................................................... 63
x
Ratih Purnama, 2014
PENGARUH KECUKUPAN MODAL DAN KUALITAS ASET TERHADAP PROFITABILITAS PADA BANK
BRI SYARIAH
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
DAFTAR GAMBAR
Gambar 1.1
Grafik Pertumbuhan ROE Bank BRI Syariah Kuartal I
Tahun 2009 – Kuartal III Tahun 2013 .................................. 5
Gambar 2.1
Kerangka Pemikiran ............................................................ 30
Gambar 4.1
Grafik Perkembangan Capital Adequacy Ratio (CAR) Bank
BRI Syariah Periode 2009-2013 ........................................... 47
Gambar 4.2
Grafik Perkembangan Non Performing Financing (NPF)
Bank BRI Syariah ............................................................................. 50
Gambar 4.3
Grafik Perkembangan Return On Asset (ROA) Bank BRI
Syariah Periode 2009-2013 ........................................................................ 53
Gambar 4.4
Hasil Uji Normalitas ............................................................ 57
Gambar 4.5
Hasil Uji Heteroskedastisitas ................................................ 59
xi
Ratih Purnama, 2014
PENGARUH KECUKUPAN MODAL DAN KUALITAS ASET TERHADAP PROFITABILITAS PADA BANK
BRI SYARIAH
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
ABSTRAK ..............................................................................................
i
ABSTRACT ............................................................................................
ii
KATA PENGANTAR ............................................................................
iii
UCAPAN TERIMA KASIH ..................................................................
iv
DAFTAR ISI ...........................................................................................
vii
DAFTAR TABEL ..................................................................................
x
DAFTAR GAMBAR ..............................................................................
xi
BAB I PENDAHULUAN .......................................................................
1
1.1Latar BelakangPenelitian .....................................................................
1
1.2Rumusan Masalah ................................................................................
7
1.3Maksud&TujuanPenelitian ...................................................................
8
1.3.1 Maksud Penelitian ................................................................
8
1.3.2 Tujuan Penelitian .................................................................
8
1.4KegunaanPenelitian .............................................................................
8
1.4.1 Kegunaan Penelitian .............................................................
8
1.4.2 Kegunaan Praktis ..................................................................
9
BAB II KAJIAN PUSTAKA, KERANGKA PEMIKIRAN DAN
HIPOTESIS ....................................................................................
2.1Kajian Pustaka .....................................................................................
10
2.1.1Bank Syariah ...............................................................................
10
2.1.1.1 Pengertian Bank Syariah ........................................
10
2.1.1.2 Falsafah Operasional Bank Syariah ........................
11
2.1.1.3 Fungsi dan Peran Perbankan Syariah ........................
12
2.1.1.4 Karakteristik Dasar Bank Syariah ...................................
14
2.1.1.5Ciri-Ciri Bank Syariah .....................................................
14
vii
Ratih Purnama, 2014
PENGARUH KECUKUPAN MODAL DAN KUALITAS ASET TERHADAP PROFITABILITAS PADA BANK
BRI SYARIAH
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
2.1.2 Kecukupan Modal ......................................................................
16
2.1.3 Kualitas Aset ..............................................................................
18
2.1.4Profitabilitas ................................................................................
21
2.1.5Pengaruh Kecukupan Modal terhadapProfitabilitas......................
23
2.1.6 Pengaruh Kualitas Aset terhadap Profitabilitas .....................
24
2.1.7Penelitian Terdahulu ...............................................................
25
2.2Kerangka Pemikiran.............................................................................
26
2.3Hipotesis ..............................................................................................
30
BAB III OBYEK DAN METODE PENELITIAN ...............................
31
3.1 ObyekPenelitian ..................................................................................
31
3.2 MetodePenelitian ................................................................................
31
3.2.1 DesainPenelitian .........................................................................
31
3.2.2 Definisi dan Operasionalisasi Variabel .......................................
32
3.2.2.1 Definisi Variabel ............................................................
32
3.2.2.2 Operasionalisasi Variabel ...............................................
33
3.2.3 Populasi dan Sampel Penelitian ..................................................
35
3.2.4 TeknikPengumpulan Data .........................................................
35
3.2.5 Teknik Analisis Data .................................................................
36
3.2.5.1 Uji Asumsi Klasik .........................................................
36
3.2.5.2Rancangan Pengujian Hipotesis ......................................
38
BAB IV HASIL PENELITIAN DAN PEMBAHASAN ......................
41
4.1
Hasil Penelitian ..............................................................................
41
4.1.1 Gambaran Umum Obyek Penelitian .....................................
41
4.1.1.1 Sejarah Singkat PT. Bank BRI Syariah ...................
41
4.1.1.2 Visi dan Misi Bank BRI Syariah ............................
43
4.1.1.3 Perkembangan Modal dan Aset Bank BRI Syariah .
43
4.1.2 Deskripsi Data Variabel Penelitian ......................................
45
4.1.2.1 Deskripsi Kecukupan Modal ..................................
46
4.1.2.2 Deskripsi Kualitas Aset ..........................................
49
4.1.2.3 Deskripsi Profitabilitas ...........................................
viii
52
Ratih Purnama, 2014
PENGARUH KECUKUPAN MODAL DAN KUALITAS ASET TERHADAP PROFITABILITAS PADA BANK
BRI SYARIAH
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
4.1.3 Analisis Startistik ..........................................................................
54
4.1.3.1 Analisis Statistik Deskriptif .....................................
54
4.1.3.2 Uji Asumsi Klasik ......................................................................
56
4.1.3.2.1 Uji Normalitas .........................................
56
4.1.3.2.2 Uji Multikolinieritas ................................
57
4.1.3.2.3 Uji Heteroskedastisitas ............................
58
4.1.3.2.4 Uji Autokorelasi ......................................
59
4.1.3.3 Rancangan Pengujian Hipotesis ...............................
60
4.1.3.3.1 Analisis Regresi Linier Berganda .............
60
Pembahasan ...................................................................................
64
4.2
4.2.2 Pengaruh Kecukupan Modal terhadap Profitabilitas Pada Bank
BRI Syariah ..............................................................................
64
4.2.3 Pengaruh Kualitas Aset terhadap Profitabilitas Pada Bank BRI
Syariah .................................................................................
65
BAB V SIMPULAN DAN SARAN .....................................................
67
5.1
Simpulan ........................................................................................
67
5.2
Saran ..............................................................................................
67
DAFTAR PUSTAKA
LAMPIRAN
ix
Ratih Purnama, 2014
PENGARUH KECUKUPAN MODAL DAN KUALITAS ASET TERHADAP PROFITABILITAS PADA BANK
BRI SYARIAH
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
DAFTAR TABEL
Tabel 1.1
Perkembangan BUS, UUS, dan BPRS di Indonesia Hingga
Tahun 2013 ............................................................................. 3
Tabel 1.2
ROE Bank BRI Syariah Kuartal I tahun 2009 – Kuartal III
Tahun 2013 ............................................................................. 4
Tabel 2.1
Penelitian Terdahulu ................................................................. 25
Tabel 3.1
Operasionalisasi Variabel ........................................................ 34
Tabel 4.1
Modal Bank BRI Syariah Periode 2009-2012 .......................... 44
Tabel 4.2
Total Aset Bank BRI Syariah Periode 2009-2013 .................... 45
Tabel 4.3Capital Adequacy Ratio (CAR) Bank BRI Syariah Periode
2009-2013 ............................................................................... 46
Tabel 4.4Non Performing Financing (NPF) Bank BRI Syariah Periode
2009-2013 .................................................................................. 49
Tabel 4.5 Return On Asset (ROA) Bank BRI Syariah Periode
2009-2013 .................................................................................. 52
Tabel 4.6
Statistik Deskriptif Variabel .................................................... 55
Tabel 4.7Hasil Uji Multikolinieritas ............................................................. 58
Tabel 4.8 Hasil Uji Autokorelasi ................................................................. 60
Tabel 4.9
Hasil Analisis Regresi Berganda .............................................. 61
Tabel 4.10Hasil Koefesien Determinasi ....................................................... 63
x
Ratih Purnama, 2014
PENGARUH KECUKUPAN MODAL DAN KUALITAS ASET TERHADAP PROFITABILITAS PADA BANK
BRI SYARIAH
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
DAFTAR GAMBAR
Gambar 1.1
Grafik Pertumbuhan ROE Bank BRI Syariah Kuartal I
Tahun 2009 – Kuartal III Tahun 2013 .................................. 5
Gambar 2.1
Kerangka Pemikiran ............................................................ 30
Gambar 4.1
Grafik Perkembangan Capital Adequacy Ratio (CAR) Bank
BRI Syariah Periode 2009-2013 ........................................... 47
Gambar 4.2
Grafik Perkembangan Non Performing Financing (NPF)
Bank BRI Syariah ............................................................................. 50
Gambar 4.3
Grafik Perkembangan Return On Asset (ROA) Bank BRI
Syariah Periode 2009-2013 ........................................................................ 53
Gambar 4.4
Hasil Uji Normalitas ............................................................ 57
Gambar 4.5
Hasil Uji Heteroskedastisitas ................................................ 59
xi
Ratih Purnama, 2014
PENGARUH KECUKUPAN MODAL DAN KUALITAS ASET TERHADAP PROFITABILITAS PADA BANK
BRI SYARIAH
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu