PENGARUH DANA PIHAK KETIGA DAN PEMBIAYAAN BERMASALAH TERHADAP LIKUIDITAS PADA BANK MEGA SYARIAH TAHUN 2017-2022

  • naini munawaroh Universita KH. Abdul Chalim
  • ceta indra lesmana Universitas Pesantren KH Abdul Chalim Mojokerto

Abstract

This study aims to analyze the influence of Third-Party Funds (DPK) and NonPerforming Financing (NPF) on liquidity (FDR) at Bank Mega Syariah. The
study shows that a decrease in NPF positively impacts the use of assets for other
financing, although it has a negative relationship with liquidity. The uncertain
economic conditions in 2023 and the rising cost of living have caused a dissaving
phenomenon among the middle class. However, Bank Mega Syariah reported an
increase in the number of accounts by 10.45%, surpassing the growth of savings
in the general banking industry, which only rose by 8.2%. This study uses a
descriptive quantitative method with secondary data from the financial reports
published by Bank Mega Syariah. The data analysis used in this study includes
classical assumption tests, multiple linear regression tests, and hypothesis testing
with the help of SPSS 25. The results show that Third-Party Funds (DPK) and
NPF have a partial and simultaneous effect on liquidity (FDR) at Bank Mega
Syariah

Published
2025-01-31
How to Cite
munawaroh, naini, & lesmana, ceta. (2025). PENGARUH DANA PIHAK KETIGA DAN PEMBIAYAAN BERMASALAH TERHADAP LIKUIDITAS PADA BANK MEGA SYARIAH TAHUN 2017-2022. Al-Mashrof (Journal Islamic Banking and Finance), 1(2), 97 - 109. Retrieved from https://e-journal.uac.ac.id/index.php/Mashrof/article/view/6428
Issue
Vol 1 No 2 (2025): Islamic Banking
Section
Articles