“Pengaruh Dana Pihak Ketiga, Capital Addequacy Ratio dan Non Performing Financing terhadap Profitabilitas dengan Pembiayaan Sebagai Variabel Intervening pada PT. Bank Muamalat Indonesia TBK. Periode 2010-2022’’

RAIS, Mohamad (2024) “Pengaruh Dana Pihak Ketiga, Capital Addequacy Ratio dan Non Performing Financing terhadap Profitabilitas dengan Pembiayaan Sebagai Variabel Intervening pada PT. Bank Muamalat Indonesia TBK. Periode 2010-2022’’. Undergraduate thesis, Universitas Katolik Widya Mandira Kupang.

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Abstract

This thesis is entitled "The Influence of Current Party Funds, Capital Adequacy Ratio and Non-Performing Financing on Profitability with Financing as a Variable Intervening at PT. Bank Muamalat Indonesia Tbk. Period 2010-2022” written by Mohamad Rais, NIM 811212026, supervised by Dr. Stanis Man, SE, M.Si as the main supervisor and Jou Sewa Adrianus, SE, M.M as member supervisor. This research aims to determine the influence of the influence of third party funds, capital adequacy ratio and non-performing financing on profitability with financing as an intervening variable at PT. Bank Muamalat Indonesia Tbk. Period 2010-2022. It is hoped that it can contribute to knowledge in the field of corporate financial management in order to provide solutions for improving performance in organizations in order to increase company performance in financial management and generate profitability. This research is quantitative in nature and the population is 52 taken from the quarterly financial reports of PT Bank Muamalat Indonesia Tbk. The period 2010-2022 and all of them were used as research samples. The type of data in this research is secondary data originating from the company's quarterly financial reports. The data collection technique used was a documentation study with research tools using Smart PLS 3.0. Data analysis techniques use descriptive statistics and inferential statistics. The results of the descriptive analysis show that the DPK, CAR, NPF, Financing and Profitability variables have positive and good average values. The results of inferential statistics in direct influence testing show that the TPF variable has a positive and significant influence on financing, while the CAR and NPF variables have a negative and significant influence on financing. The DPK, CAR and Financing variables have a positive and significant influence on Profitability while the NPF variable has a negative and significant influence on Profitability. Testing the Financing variable as a mediator in measuring the influence of DPK, CAR and NPF on Profitability causes the DPK variable to have a positive and significant influence on Profitability, the CAR variable has a positive and significant influence on Profitability, while the NPF variable has a negative and insignificant influence on Profitability even though it is mediated by the Financing variable. The suggestion from this research is that companies are expected to be able to manage available funds well, including through Third Party Funds (DPK), Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF) and Financing. With these variables, financial management will be targeted and measurable. The higher the distribution value, the greater the income for the company itself and can strengthen a company's liquidity.

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