FAKTOR-FAKTOR YANG MEMPENGARUHI RESIKO LIKUIDITAS PADA BANK SYARIAH DI INDONESIA (2019-2023)
Kata Kunci:
Resiko Likuiditas, Bank Syariah Indonesia, FDR dan BOPOAbstrak
Penelitian bertujuan untuk mengetahui bagaimana pengaruh Biaya Operasional Pendapatan Operasional (BOPO) terhadap Risiko Likuiditas Bank Syariah di Indonesia. Penelitian ini menggunakan jenis penelitian kuantitatif. Hasil penelitian menunjukan bahwa 1) variabel FDR berpengaruh positif terhadap Likuiditas Bank Syariah. Dasar pengambilan keputusan tersebut dilihat dari hasil pengujian uji t diperoleh Nilai signifikansi sebesar 0,000 < 0,05 sehingga H0 ditolak dan H1 diterima, yang artinya variabel FDR berpengaruh positif dan signifikan terhadap Likuiditas BSI, 2) variabel BOPO berpengaruh positif terhadap Likuiditas Bank Syariah. Dasar pengambilan keputusan tersebut dilihat dari hasil pengujian uji t diperoleh Nilai signifikansi sebesar 0,000 < 0,05 sehingga H0 ditolak dan H1 diterima, yang artinya variabel BOPO berpengaruh positif dan signifikan terhadap Likuiditas BSI.
The research aims to determine the influence of Operating Costs on Operational Income (BOPO) on the Liquidity Risk of Sharia Banks in Indonesia. This research uses a quantitative type of research. The research results show that 1) the FDR variable has a positive effect on Sharia Bank Liquidity. The basis for making this decision can be seen from the results of the t test, obtained a significance value of 0.000 < 0.05 so that H0 is rejected and H1 is accepted, which means that the FDR variable has a positive and significant effect on BSI Liquidity, 2) the BOPO variable has a positive effect on Sharia Bank Liquidity. The basis for making this decision can be seen from the results of the t test, which obtained a significance value of 0.000 < 0.05 so that H0 is rejected and H1 is accepted, which means that the BOPO variable has a positive and significant effect on BSI Liquidity.
