S PEA 1103970 Table of content
DAFTAR ISI
ABSTRAK..............................................................................................................i
ABSTRACT............................................................................................................ii
KATA PENGANTAR..........................................................................................iii
UCAPAN TERIMA KASIH................................................................................iv
DAFTAR ISI.........................................................................................................vi
DAFTAR TABEL...............................................................................................viii
DAFTAR GAMBAR............................................................................................ix
BAB I PENDAHULUAN
A. Latar Belakang Penelitian.................................................................................1
B. Identifikasi Masalah Penelitian.........................................................................6
C. Rumusan Masalah Penelitian............................................................................9
D. Maksud dan Tujuan Penelitian.......................................................................10
E.
Manfaat Penelitian..........................................................................................10
BAB II LANDASAN TEORI
A. Teori yang Relevan........................................................................................11
1. Bank................................................................................................................11
a. Pengertian Bank.........................................................................................11
b. Jenis-jenis Bank.........................................................................................12
c. Perbedaan Bank Syariah dengan Bank Konensional..................................14
d. Kegiatan Bank Syariah...............................................................................16
e. Fungsi Bank Syariah...................................................................................18
2. Financing to Deposit Ratio (FDR)..................................................................19
a. Pengertian Financing to Deposit Ratio (FDR)...........................................19
b. Tujuan dan Manfaat Financing to Deposit Ratio (FDR)...........................20
c. Rumus Financing to Deposit Ratio (FDR).................................................21
d. Komponen-komponen Financing to Deposit Ratio (FDR)........................21
3. Profitabilitas....................................................................................................27
a. Pengertian Profitabilitas.............................................................................27
b. Tujuan dan manfaat Rasio Profitabilitas....................................................28
c. Jenis-jenis Profitabilitas.............................................................................29
vi
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PENGARUH FINANCING TO D EPOSIT RATIO (FD R) TERHAD AP PROFITABILITAS
BANK UMUM SYARIAH D I INDONESIA TAHUN 2010-2014
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d. Rasio Profitabilitas.....................................................................................30
e. Return on Assets (ROA).............................................................................31
f. Faktor-faktor yang Mempengaruhi Profitabilitas.......................................33
4. Pengaruh Financing to Deposit Ratio (FDR) terhadap Profitabilitas.............34
B. Hasil Penelitian Terdahulu..............................................................................36
C. Kerangka Pemikiran.......................................................................................38
D. Hipotesis Penelitian........................................................................................41
BAB III METODE PENELITIAN
A. Desain Penelitian............................................................................................42
B. Operasionalisasi variabel................................................................................43
C. Populasi dan Sampel......................................................................................44
D. Teknik Pengumpulan Data.............................................................................45
E.
Teknik Analisis Data dan Pengujian Hipotesis..............................................46
1. Teknik Analisis Data......................................................................................46
2. Pengujian Hipotesis........................................................................................47
BAB IV HASIL PENELITIAN DAN PEMBAHASAN
A. Gambaran Objek Penelitian..............................................................................52
1. Sejarah Bank Umum Syariah di Indonesia...................................................52
2. Perkembangan Bank Umum Syariah (BUS) di Indonesia.............................53
3. Profil Bank Umum Syariah di Indonesia yang Menjadi Sampel Penelitian...54
B. Deskripsi Hasil Penelitian................................................................................60
1. Financing to Deposit Ratio (FDR)................................................................60
2. Profitabilitas Menggunakan Indikator Return on Assets (ROA)...................67
C. Analisis Data dan Pengujian Hipotesis.............................................................72
1. Uji Normalitas................................................................................................74
2. Uji Linearitas..................................................................................................74
3. Analisis Regresi Linear Sederhana................................................................75
4. Uji F...............................................................................................................77
5. Uji t................................................................................................................77
D. PEMBAHASAN..............................................................................................78
BAB V SIMPULAN DAN SARAN
A. Simpulan........................................................................................................85
vii
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PENGARUH FINANCING TO D EPOSIT RATIO (FD R) TERHAD AP PROFITABILITAS
BANK UMUM SYARIAH D I INDONESIA TAHUN 2010-2014
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B. Saran..............................................................................................................85
DAFTAR PUSTAKA..........................................................................................87
LAMPIRAN
viii
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PENGARUH FINANCING TO D EPOSIT RATIO (FD R) TERHAD AP PROFITABILITAS
BANK UMUM SYARIAH D I INDONESIA TAHUN 2010-2014
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
DAFTAR TABEL
Tabel 1.1
Tabel 2.1
Tabel 2.2
Tabel 2.3
Tabel 2.4
Tabel 3.1
Tabel 3.2
Tabel 4.1
Tabel 4.2
Tabel 4.3
Tabel 4.4
Tabel 4.5
Tabel 4.6
Tabel 4.7
Tabel 4.8
Tabel 4.9
Return on Assets (ROA) pada Bank Umum Syariah (BUS) di
Indonesia Tahun 2010-2014 .......................................................... 4
Perbedaan Bank Syariah dan Bank Konvesional ......................... 15
Perbedaan Bunga dan Bagi Hasil ................................................. 16
Prinsip-prinsip dalam Pembiayaan ............................................... 24
Kriteria Return on Assets (ROA) .................................................. 32
Operasionalisasi Variabel ............................................................. 44
Daftar Sampel ............................................................................... 45
Daftar Bank Umum Syariah di Indonesia Hingga Tahun 2015 .... 54
Gambaran Financing to Deposit Ratio (FDR) pada Bank Umum
Syariah di Indonesia Tahun 2010-2014 ........................................ 61
Gambaran Return on Assets (ROA) pada Bank Umum Syariah
di Indonesia Tahun 2010-2014 ..................................................... 67
Tabulasi data Variabel X dan Y ....................................................73
Hasil Pengujian Linearitas (Durbin Watson) ................................ 75
Hasil Perhitungan Regresi Linear Sederhana ............................... 76
Hasil Uji F (Keberartian Regresi) dengan ANOVA ..................... 77
Hasil Uji t (Keberartian Koefisien Regresi) ................................. 78
Hasil Perhitungan Prediksi Berdasarkan Persamaan Regresi
Linear Sederhana........................................................................... 81
ix
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PENGARUH FINANCING TO D EPOSIT RATIO (FD R) TERHAD AP PROFITABILITAS
BANK UMUM SYARIAH D I INDONESIA TAHUN 2010-2014
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DAFTAR GAMBAR
Gambar 2.1
Gambar 2.1
Gambar 4.1
Gambar 4.2
Gambar 4.3
Gambar 4.4
Gambar 4.5
Produk- produk Perbankan Syariah .............................................. 17
Hubungan Antar Variabel ............................................................. 41
Rata-rata Financing to Deposit Ratio (FDR) Setiap Bank Pada
Bank Umum Syariah di Indonesia Tahun 2010-2014 .................. 62
Rata-rata Financing to Deposit Ratio (FDR) Setip Tahun pada
Bank Umum Syariah di Indonesia Tahun 2010-2014 .................. 62
Rata-rata Return on Assets (ROA) setiap Bank pada Bank Umum
Syariah di Indonesia Tahun 2010-2014 ........................................ 68
Rata-rata Return on Assets (ROA) setiap Tahun pada Bank Umum
Syariah di Indonesia Tahun 2010-2014 ........................................ 68
Uji Normalitas .............................................................................. 74
x
Eka Fatmawati,2015
PENGARUH FINANCING TO D EPOSIT RATIO (FD R) TERHAD AP PROFITABILITAS
BANK UMUM SYARIAH D I INDONESIA TAHUN 2010-2014
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
ABSTRAK..............................................................................................................i
ABSTRACT............................................................................................................ii
KATA PENGANTAR..........................................................................................iii
UCAPAN TERIMA KASIH................................................................................iv
DAFTAR ISI.........................................................................................................vi
DAFTAR TABEL...............................................................................................viii
DAFTAR GAMBAR............................................................................................ix
BAB I PENDAHULUAN
A. Latar Belakang Penelitian.................................................................................1
B. Identifikasi Masalah Penelitian.........................................................................6
C. Rumusan Masalah Penelitian............................................................................9
D. Maksud dan Tujuan Penelitian.......................................................................10
E.
Manfaat Penelitian..........................................................................................10
BAB II LANDASAN TEORI
A. Teori yang Relevan........................................................................................11
1. Bank................................................................................................................11
a. Pengertian Bank.........................................................................................11
b. Jenis-jenis Bank.........................................................................................12
c. Perbedaan Bank Syariah dengan Bank Konensional..................................14
d. Kegiatan Bank Syariah...............................................................................16
e. Fungsi Bank Syariah...................................................................................18
2. Financing to Deposit Ratio (FDR)..................................................................19
a. Pengertian Financing to Deposit Ratio (FDR)...........................................19
b. Tujuan dan Manfaat Financing to Deposit Ratio (FDR)...........................20
c. Rumus Financing to Deposit Ratio (FDR).................................................21
d. Komponen-komponen Financing to Deposit Ratio (FDR)........................21
3. Profitabilitas....................................................................................................27
a. Pengertian Profitabilitas.............................................................................27
b. Tujuan dan manfaat Rasio Profitabilitas....................................................28
c. Jenis-jenis Profitabilitas.............................................................................29
vi
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PENGARUH FINANCING TO D EPOSIT RATIO (FD R) TERHAD AP PROFITABILITAS
BANK UMUM SYARIAH D I INDONESIA TAHUN 2010-2014
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
d. Rasio Profitabilitas.....................................................................................30
e. Return on Assets (ROA).............................................................................31
f. Faktor-faktor yang Mempengaruhi Profitabilitas.......................................33
4. Pengaruh Financing to Deposit Ratio (FDR) terhadap Profitabilitas.............34
B. Hasil Penelitian Terdahulu..............................................................................36
C. Kerangka Pemikiran.......................................................................................38
D. Hipotesis Penelitian........................................................................................41
BAB III METODE PENELITIAN
A. Desain Penelitian............................................................................................42
B. Operasionalisasi variabel................................................................................43
C. Populasi dan Sampel......................................................................................44
D. Teknik Pengumpulan Data.............................................................................45
E.
Teknik Analisis Data dan Pengujian Hipotesis..............................................46
1. Teknik Analisis Data......................................................................................46
2. Pengujian Hipotesis........................................................................................47
BAB IV HASIL PENELITIAN DAN PEMBAHASAN
A. Gambaran Objek Penelitian..............................................................................52
1. Sejarah Bank Umum Syariah di Indonesia...................................................52
2. Perkembangan Bank Umum Syariah (BUS) di Indonesia.............................53
3. Profil Bank Umum Syariah di Indonesia yang Menjadi Sampel Penelitian...54
B. Deskripsi Hasil Penelitian................................................................................60
1. Financing to Deposit Ratio (FDR)................................................................60
2. Profitabilitas Menggunakan Indikator Return on Assets (ROA)...................67
C. Analisis Data dan Pengujian Hipotesis.............................................................72
1. Uji Normalitas................................................................................................74
2. Uji Linearitas..................................................................................................74
3. Analisis Regresi Linear Sederhana................................................................75
4. Uji F...............................................................................................................77
5. Uji t................................................................................................................77
D. PEMBAHASAN..............................................................................................78
BAB V SIMPULAN DAN SARAN
A. Simpulan........................................................................................................85
vii
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PENGARUH FINANCING TO D EPOSIT RATIO (FD R) TERHAD AP PROFITABILITAS
BANK UMUM SYARIAH D I INDONESIA TAHUN 2010-2014
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
B. Saran..............................................................................................................85
DAFTAR PUSTAKA..........................................................................................87
LAMPIRAN
viii
Eka Fatmawati,2015
PENGARUH FINANCING TO D EPOSIT RATIO (FD R) TERHAD AP PROFITABILITAS
BANK UMUM SYARIAH D I INDONESIA TAHUN 2010-2014
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
DAFTAR TABEL
Tabel 1.1
Tabel 2.1
Tabel 2.2
Tabel 2.3
Tabel 2.4
Tabel 3.1
Tabel 3.2
Tabel 4.1
Tabel 4.2
Tabel 4.3
Tabel 4.4
Tabel 4.5
Tabel 4.6
Tabel 4.7
Tabel 4.8
Tabel 4.9
Return on Assets (ROA) pada Bank Umum Syariah (BUS) di
Indonesia Tahun 2010-2014 .......................................................... 4
Perbedaan Bank Syariah dan Bank Konvesional ......................... 15
Perbedaan Bunga dan Bagi Hasil ................................................. 16
Prinsip-prinsip dalam Pembiayaan ............................................... 24
Kriteria Return on Assets (ROA) .................................................. 32
Operasionalisasi Variabel ............................................................. 44
Daftar Sampel ............................................................................... 45
Daftar Bank Umum Syariah di Indonesia Hingga Tahun 2015 .... 54
Gambaran Financing to Deposit Ratio (FDR) pada Bank Umum
Syariah di Indonesia Tahun 2010-2014 ........................................ 61
Gambaran Return on Assets (ROA) pada Bank Umum Syariah
di Indonesia Tahun 2010-2014 ..................................................... 67
Tabulasi data Variabel X dan Y ....................................................73
Hasil Pengujian Linearitas (Durbin Watson) ................................ 75
Hasil Perhitungan Regresi Linear Sederhana ............................... 76
Hasil Uji F (Keberartian Regresi) dengan ANOVA ..................... 77
Hasil Uji t (Keberartian Koefisien Regresi) ................................. 78
Hasil Perhitungan Prediksi Berdasarkan Persamaan Regresi
Linear Sederhana........................................................................... 81
ix
Eka Fatmawati,2015
PENGARUH FINANCING TO D EPOSIT RATIO (FD R) TERHAD AP PROFITABILITAS
BANK UMUM SYARIAH D I INDONESIA TAHUN 2010-2014
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
DAFTAR GAMBAR
Gambar 2.1
Gambar 2.1
Gambar 4.1
Gambar 4.2
Gambar 4.3
Gambar 4.4
Gambar 4.5
Produk- produk Perbankan Syariah .............................................. 17
Hubungan Antar Variabel ............................................................. 41
Rata-rata Financing to Deposit Ratio (FDR) Setiap Bank Pada
Bank Umum Syariah di Indonesia Tahun 2010-2014 .................. 62
Rata-rata Financing to Deposit Ratio (FDR) Setip Tahun pada
Bank Umum Syariah di Indonesia Tahun 2010-2014 .................. 62
Rata-rata Return on Assets (ROA) setiap Bank pada Bank Umum
Syariah di Indonesia Tahun 2010-2014 ........................................ 68
Rata-rata Return on Assets (ROA) setiap Tahun pada Bank Umum
Syariah di Indonesia Tahun 2010-2014 ........................................ 68
Uji Normalitas .............................................................................. 74
x
Eka Fatmawati,2015
PENGARUH FINANCING TO D EPOSIT RATIO (FD R) TERHAD AP PROFITABILITAS
BANK UMUM SYARIAH D I INDONESIA TAHUN 2010-2014
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu