PENGARUH MURABAHAH, CAR, DAN DPK TERHADAP MAQASID SYARIAH DENGAN NPF SEBAGAI MODERATING
DOI:
https://doi.org/10.37932/j.e.v11i2.382Abstract
ABSTRAKTujuan dilakukan penelitian ini untuk mengetahui pengaruh pembiayaan murabahah, CAR dan DPK terhadap kinerja berdasarkan maqasid syariah dengan NPF sebagai variabel moderating pada Bank Umum Syariah di Indonesia periode 2016-2020. Penelitian ini adalah penelitian kuantitatif dengan menggunakan data sekunder yang diperoleh dari laporan tahunan yang diterbitkan di website resmi masing-masing bank. Dengan metode puposive sampling terpilih 12 Bank Umum Syariah yang dijadikan sampel dan berjumlah 60 sampel. Metode analisis yang digunakan adalah regresi linier berganda dan uji MRA menggunakan alat analisis Eviews 10. Hasil penelitian menunjukkan bahwa secara parsial pembiayaan murabahah berpengaruh negatif signifikan terhadap kinerja berdasarkan Maqasid Syariah Index (MSI). CAR berpengaruh negatif signifikan terhadap MSI. DPK berpengaruh positif tidak signifikan terhadap MSI, NPF berpengaruh negatif signifikan terhadap MSI. NPF tidak mampu memoderasi pengaruh murabahah dan DPK terhadap MSI. NPF memoderasi pengaruh CAR terhadap MSI. Secara simultan variabel bebas berpengaruh terhadap variabel dependen yaitu MSI.Kata Kunci: Murabahah, CAR, DPK, NPF, Maqasid SyariahDownloads
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