Pengaruh Capital Adequacy Ratio (CAR), Debt to Equity Ratio (DER), Return on Asset (ROA) dan Financing To Deposit Ratio (FDR) terhadap Risiko Likuiditas pada bank Umum Syariah di Indonesia Periode tahun 2008-2012
| Main Author: | Dianingtyas, Nurrahmi |
|---|---|
| Other Authors: | Rodoni, Rodoni, Hayati, Murdiyah |
| Format: | Book |
| Bahasa: | in |
| Subjects: | |
| Online Access: |
http://repository.uinjkt.ac.id/dspace/handle/123456789/23840 |
Daftar Isi:
- This study aimed to analyze the effect of capital adequacy ratio (CAR), debt to equity ratio (DER), return on assets (ROA), and financing to deposit ratio (FDR) of the liquidity risk in Islamic banks in Indonesia. The research was conducted during the period 2008-2012 using quarterly data of Bank Muamalat Indonesia, Bank Syariah Mandiri, Bank Mega Syariah. Multiple regression was used to analyze the effect of independent variables on the dependent variable. The test result at 95% confidence level, indicating that the CAR, ROA and FDR have positive effect, while DER negatively affect the liquidity risk. DER has a negative impact on Islamic banks because there are unique term in it. Islamic bank have fund resources with no cost, so that the greater the debt-to-equity ratio, the higher the level of liquidity of Islamic banks and without worried of having increasing cost of capital and the risk of liquidity shortages. Keywords : Islamic Bank, Capital Adequacy Ratio (CAR), Debt To Equity Ratio (DER), Return On Assets (ROA), And Financing To Deposit Ratio (FDR).