PENGARUH RISIKO KREDIT, RISIKO LIKUIDITAS DAN SOLVABILITAS TERHADAP PROBABILITAS DEFAULT PERBANKAN SYARIAH DI INDONESIA PERIODE 2014-2019

Tanti Rusidah, NIM.: 13390035 (2020) PENGARUH RISIKO KREDIT, RISIKO LIKUIDITAS DAN SOLVABILITAS TERHADAP PROBABILITAS DEFAULT PERBANKAN SYARIAH DI INDONESIA PERIODE 2014-2019. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

This study aims to analyze the influence of credit risk, liquidity risk and solvency on the defual probability of Islamic banking. The sampling method in this study was purposive sampling so that 11 Islamic banks in Indonesia were obtained for the 2014-2019 period. This type of research is descriptive quantitative and uses panel data regression analysis techniques. Based on the test results in this study, it is concluded that credit risk proxied by NPF does not have a significant effect on the probability of deflecting Islamic banking in Indonesia, indicating that the overall average of Islamic banks has met the maximum limit of 5%. And the solvency proxied by the Debt Ratio has no significant effect on the probability of default, because banks that are profitable in a stable business are better able to handle their debts. Meanwhile, liquidity risk proxied by FDR has a significant effect on the probability of default in Islamic banking. Because the bigger the bank expands its financing, the bank will experience default.

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