PENGARUH TINGKAT PROFITABILITAS DAN LIKUIDITAS TERHADAP KECUKUPAN MODAL PADA BANK TABUNGAN NEGARA SYARIAH CABANG DIPONEGORO SURABAYA
Abstract: This
study uses secondary data from the financial statements of Islamic State
Savings Bank (BTN Syariah) Branch Diponegoro Surabaya per quarter over the
period 2010 – 2012. Analytical technique used is multiple linear regressions
with a coefficient of multiple determination tests fitted the classic
assumptions including relevant test, autocorrelation, normality tests, and
heteroskedasticity to make sure that those assumptions are met by the model
used in this study. Hypothesis testing uses a t-test for testing the partial
regression coefficients and F-test statistics for the simultaneous regression
coefficients testing on a significant level of 5%. During the period of
observation on the basis of relevant test, autocorrelation, and
heteroskedasticity not found variables that deviate from the classical
assumptions. In addition, this research indicates the Gaussian normal; this
shows that the available data are qualified to use multiple linear regression
equations of the model. The results showed that ROA partially influence
significantly to CAR because it has a value smaller than 5% (0.05) significance.
While ROE and FDR partially do not affect significantly to CAR on Sharia State
Savings Bank Branch Diponegoro Surabaya because t-count is smaller than
t-tabel. However, simultaneously, ROA, ROE, and FDR proved influential
significantly to CAR because it has a value smaller than 0.05 and F-count
greater than F-table. The role of the management of assets and liabilities is
quite important in generating the level of profitability. Similarly, the
performance of the management of liquidity contributes to the achievement of
efficiency means that bank. It was followed by pretty invlovement of liability
and capital management in boosting the level of efficiency of the bank. Such a
condition should be noted by the management of Islamic banks that managerial policies
in the above three areas need to be constantly improved because it has been
proven to contribute to the efficiency of the Islamic banking business.
Penulis:Nurlailah,
Fahmi Fachrudin Syah
Kode Jurnal: jpperadabanislamdd130087
