Pengaruh Dana Pihak Ketiga, CAR, dan NPF terhadap Jumlah Penyaluran Pembiayaan Bank Muamalat

Abstrak. Dalam kaitannya dengan proyeksi kinerja Bank Muamalat, ada tiga faktor yang memainkan peran penting, yaitu Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR) dan Non Performing Financing (NPF). Penelitian ini bertujuan untuk mengkaji pengaruh antara Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), dan Non-Performing Finance (NPF) terhadap jumlah penyaluran pembiayaan Bank Muamalat. Penelitian ini menggunakan metode kuantitatif. Populasi dalam penelitian ini yaitu Bank Umum Syariah (BUS) sedangkan sampel yang diteliti yaitu Bank Muamalat Indonesia yang ditentukan melalui teknik simple random sampling (sampel acak sederhana). Data yang digunakan adalah data sekunder berupa laporan triwulanan Bank Muamalat Indonesia pada periode 2018-2022. Metode analisis data yang digunakan adalah Regresi Linear Berganda dengan bantuan program Eviews. Hasil penelitian menunjukkan bahwa: 1) Secara parsial menunjukkan adanya pengaruh positif signifikan sebesar 2.17% dari variabel Dana Pihak Ketiga, pengaruh negatif signifikan sebesar 7.53% dari variabel Capital Adequacy Ratio dan sebesar 2.13% dari Non Performing Financing terhadap jumlah penyaluran pembiayaan Bank Muamalat periode 2018-2022. 2) Secara Simultan menunjukkan bahwa Dana Pihak Ketiga, Capital Adequacy Ratio, dan Non Performing Financing berpengaruh signifikan terhadap jumlah penyaluran pembiayaan. Dimana dilihat dari Uji Koefisien Determinasi, kuat pengaruhnya sebesar 79.87%. Abstract.  In relation to Bank Muamalat's performance projections, there are three factors that play an important role, namely Third Party Funds (DPK), Capital Adequacy Ratio (CAR) and Non-Performing Financing (NPF). This research aims to examine the influence of Third Party Funds (DPK), Capital Adequacy Ratio (CAR), and Non-Performing Finance (NPF) on the amount of Bank Muamalat's financing distribution. This research uses quantitative methods. The population in this research is Sharia Commercial Banks (BUS) while the sample studied is Bank Muamalat Indonesia which was determined using a simple random sampling technique. The data used is secondary data in the form of Bank Muamalat Indonesia quarterly reports for the 2018-2022 period. The data analysis method used is Multiple Linear Regression with the help of the Eviews program. The research results show that: 1) Partially, it shows that there is a significant positive influence of 2.17% from the Third Party Funds variable, a significant negative influence of 7.53% from the Capital Adequacy Ratio variable and 2.13% from Non-Performing Financing on the total distribution of Bank Muamalat financing for the 2018 period. -2022. 2) Simultaneously, it shows that Third Party Funds, Capital Adequacy Ratio, and Non-Performing Financing have a significant effect on the amount of financing disbursement. Where seen from the Coefficient of Determination Test, the strength of the influence is 79.87%.