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DAFTAR ISI
Halaman
HALAMAN JUDUL
...........................................................................................
i
HALAMAN PERNYATAAN
KEASLIAN........................................................
ii
HALAMAN PERSETUJUAN
PEMBIMBING................................................iii
HALAMAN
PENGESAHAN..............................................................................iv
HALAMAN PERSEMBAHAN
...........................................................................v
HALAMAN MOTTO
.........................................................................................vi
KATA PENGANTAR
.......................................................................................
vii
DAFTAR
ISI.........................................................................................................ix
DAFTAR
TABEL.............................................................................................
xiii
DAFTAR
GAMBAR..........................................................................................xiv
PEDOMAN
TRANSLITERASI........................................................................xv
ABSTRAK
........................................................................................................xvii
BAB I : PENDAHULUAN
A. Latar Belakang
Masalah............................................................
1
B. Batasan Masalah
.......................................................................
7
C. Rumusan Masalah
....................................................................
7
D. Tujuan Penelitian
......................................................................
8
E. Manfaat Penelitian
....................................................................
8
F. Sistematika Penulisan
...............................................................
9
BAB II : LANDASAN TEORI
A. Perbankan Syariah
...................................................................
10
B. Pembiayaan Bank Syariah
....................................................... 19
C. Non Performing Financing (NPF)..
......................................... 30
D. Financing to Deposit Ratio (FDR)
......................................... 34
E. Kurs
..........................................................................................
37
F.
Inflasi........................................................................................
42
G. Tinjauan Penelitian Terdahulu
................................................ 49
H. Kerangka Teori
........................................................................
51
1. Pengaruh Financing to Deposit Ratio (FDR)
terhadap Non Performing Financing (NPF).........................
51
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2. Pengaruh Kurs terhadap
Non Performing Financing (NPF)
...................................... 53
3. Pengaruh Inflasi terhadap
Non Performing Financing
(NPF)....................................... 54
4. Pengaruh Financing to Deposit Ratio (FDR), Kurs,
dan Inflasi secara bersama-sama Terhadap
Non Performing Financing (NPF)
...................................... 55
I. Model Penelitian
.......................................................................
55
J. Pengajuan
Hipotesis..................................................................
56
BAB III : METODE PENELITIAN
A. Jenis dan Pendekatan
Penelitian............................................... 57
B. Populasi dan Sampel Penelitian
............................................... 57
C. Identifikasi Variabel Penelitian
............................................... 58
D. Variabel Operasional Penelitian
.............................................. 58
1. Non Performing Financing (NPF)
...................................... 58
2. Financing to Deposit Ratio (FDR)
..................................... 59
3.
Inflasi...................................................................................
59
4.
Kurs.....................................................................................
60
E. Teknik Pengumpulan
Data....................................................... 60
1. Studi Pustaka
.......................................................................
60
2. Studi Dokumenter
...............................................................
61
F. Teknik Analisis Data
................................................................
61
1. Uji Asumsi Klasik
...............................................................
62
a. Uji Normalitas
.................................................................
62
b. Uji
Multikoliniearitas.......................................................
62
c. Uji
Autokorelasi...............................................................
63
d. Uji
Heteroskesdastisitas...................................................
64
2. Uji
Signifikansi....................................................................
65
a. Uji Signifikan Parameter Individual
(Uji Statistik
t).................................................................
65
b. Uji Signifikansi Simultan
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(Uji Statistik
F)...............................................................
66
c. Koefisien Determinasi
(R2)............................................ 67
BAB IV : HASIL PENELITIAN DAN PEMBAHASAN
A. Gambaran Obyek
Penelitian....................................................
68
1. PT Bank Muamalat
Indonesia............................................. 69
2. PT Bank Victoria
Syariah................................................... 69
3. PT Bank BRI
Syariah.........................................................
70
4. PT Bank Pembangunan Daerah Jawa Barat dan
Banten
Syariah......................................................................
71
5. PT Bank BNI
Syariah...........................................................
72
6. PT Bank Syariah
Mandiri..................................................... 73
7. PT Bank Syariah Mega
Indonesia........................................ 74
8. PT Bank Panin
Syariah........................................................
75
9. PT Bank Syariah
Bukopin.................................................... 76
10. PT Bank BCA
Syariah........................................................
77
11. PT Maybank Syariah
Indonesia.......................................... 78
12. PT BTPN
Syariah……………........................................... 79
B. Perkembangan Perbankan Syariah di
Indonesia....................... 80
1. Gambaran Umum Bank Umum
Syariah............................... 81
2. Gambaran Umum Data
Penelitian........................................ 82
a. Perkembangan Non Performing
Financing.........................................................................
82
b. Perkembangan Financing to Deposit
Ratio................................................................................
82
c. Perkembangan
Kurs..........................................................
83
d. Perkembangan
Inflasi.......................................................
83
C. Hasil
Penelitian.........................................................................
84
1. Uji Asumsi Klasik
...............................................................
87
a. Uji Normalitas
.................................................................
87
b. Uji
Multikoliniearitas.......................................................
88
c. Uji
Autokorelasi...............................................................
89
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d. Uji
Heteroskesdastisitas....................................................
91
2. Uji
Signifikansi…………….................................................
91
a. Uji Signifikansi Parameter Individual (Uji Statistik t) …
91
b. Uji Signifikansi Simultan (Uji Statistik
F)....................... 92
c. Koefisien Determinasi
(R2).............................................. 93
D.
Pembahasan..............................................................................
94
1. Pengaruh FDR terhadap
NPF............................................... 94
2. Pengaruh Kurs terhadap
NPF............................................... 96
3. Pengaruh Inflasi terhadap
NPF............................................. 98
4. Pengaruh FDR, Kurs, dan Inflasi secara bersama-sama
terhadap
NPF.....................................................................
100
BAB V : PENUTUP
A.
Simpulan.................................................................................
102
B.
Keterbatasan............................................................................
103
C.
Saran........................................................................................104
DAFTAR
PUSTAKA.......................................................................................
105
DAFTAR RIWAYAT HIDUP
LAMPIRAN-LAMPIRAN
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DAFTAR TABEL
Halaman
Tabel 2.1. Perbedaan Bunga dan Bagi
Hasil.........................................................
13
Tabel 2.2. Hasil Ringkasan Penelitian
Terdahulu................................................. 49
Tabel 4.1. Daftar Sampel
Penelitian.....................................................................
68
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DAFTAR GAMBAR
Halaman
Gambar 2.1. Model
Penelitian.................................................................................
56
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PEDOMAN TRANSLITERASI
Daftar huruf bahasa Arab dan literasinya ke dalam huruf Latin
dapat dilihat pada
halaman berikut:
Huruf arab Nama Huruf latin Nama
Alif Tidak dilambangkan Tidak dilambangkan ا
Ba B Be ب
Ta T Te ت
(Ṡa Ṡ Es (dengan titik di atas ث
Jim J Je ج
(Ḥa Ḥ Ha (dengan titik di atas ح
Kha Kh Ka dan Ha خ
Dal D De د
(Żal Ż Zet (degan titik di atas ذ
Ra R Er ر
Zai Z Zet ز
Sin S Es س
Syin Sy Es dan ye ش
Ṣad ص Ṣ Es (dengan titik di bawah)
Ḍad ض Ḍ De (dengan titik di bawah)
(Ṭa Ṭ Te (dengan titik di bawah ط
(Ẓa Ẓ Zet (dengan titik di bawah ظ
Ain ‘_ Apostrof terbalik‘ ع
Gain G Ge غ
Fa F Ef ف
Qof Q Qi ق
Kaf K Ka ك
Lam L El ل
Mim M Em م
Nun N En ن
Wau W We و
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xvi
Ha H Ha ه
Hamzah _’ Apostrof ء
Ya Y Ye ي