Pengaruh Manajemen Resiko Terhadap Permodalan Dan Profitabilitas Pada Bank Umum Syariah di Indonesia Periode 2010-2014

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh manajemen resiko, terhadap permodalan dan profitabilitas. Data yang digunakan dalam penelitian ini di peroleh dari Bank Indonesia periode 2010-2014.

Populasi dalam penelitian ini adalah bank umum syariah di Indonesia periode 2010-2014. Pemilihan sampel menggunakan teknik purposive sampling. Berdasarkan ternik tersebut diperoleh 10 sampel. Metode analisis yang digunakan adalah regresi sederhana dengan menggunakan IBM SPSS versi 19.

Hasil penelitian ini menunjukkan bahwa variabel resikokredit diukur dengan Non Performing Financing berpengaruh negative terhadap permodalan yang diukur dengan Capital Adequacy Ratio,sedangkan resiko kredit yang di ukur dengan Non Perfoming Financing berpengaruh negative terhadap profitabilitas yang diukur Return of Asset.

The aim of this study was to know the influence of risk management on capital dan profitability. The data used in this study were obtained from bank of Indonesia in the period of 2010-2014.

Population in this study is Islamic bank in Indonesia period 2010-2014. The selection of the sample using purposive sampling. Based on this technique 10 sample were obtained. The methods of data analysis were simple regression models and they were analyzed using IBM SPSS software version 19.

The result of this study showing the variable of risk management quantified with non perfoming financing has negative impact to capital that quantified with capital adequacy ratio, but credit risk was quantified with non perfoming financing has negative impact to profitability was quantified with return of asset.