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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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Ha H Ha ه

Hamzah _’ Apostrof ء

Ya Y Ye ي