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Peran Kecukupan Modal Dalam Memoderasi Pengaruh Dana Pihak Ketiga Dan Risiko Kredit Terhadap Likuiditas (Pt Bank Muamalat Indonesia Tbk 2014-2023)

Introduction

Peran kecukupan modal dalam memoderasi pengaruh dana pihak ketiga dan risiko kredit terhadap likuiditas (pt bank muamalat indonesia tbk 2014-2023). Analisis peran kecukupan modal memoderasi pengaruh dana pihak ketiga dan risiko kredit terhadap likuiditas di Bank Muamalat Indonesia (2014-2023). Hasil: modal moderasi efek.

Abstract

Penelitian ini bertujuan untuk menganalisis peran kecukupan modal dalam memoderasi pengaruh dana pihak ketiga dan risiko kredit terhadap likuditas pada Bank Muamalat Indonesia. Penelitian ini menggunakan variabel Likuiditas yang diproksikan dengan Financing to Deposit Ratio (FDR) sebagai variabel dependen, Dana Pihak Ketiga dan Risiko Kredit yang diproksikan dengan Non Performing Financing (NPF) sebagai variabel independen serta variabel Kecukupan Modal yang diproksikan dengan Capital Adequacy Ratio (CAR) sebagai variabel moderasi. Populasi dalam penelitian ini adalah seluruh laporan keuangan Bank Muamalat Indonesia serta metode penentuan sampel yang digunakan adalah metode Purposive Sampling dengan sampel sebanyak 40 data keuangan triwulan periode 2014-2023. Metode analisis penelitian ini menggunakan regresi linear berganda dan analisis regresi moderating. Hasil penelitian menunjukan bahwa Dana Pihak Ketiga (DPK) tidak berpengaruh terhadap Likuiditas (FDR), Risiko Kredit (NPF) berpengaruh positif dan signifikan terhadap Likuditas (FDR) sedangkan hasil uji Moderate Regression Analysis (MRA) menunjukan bahwa variabel Kecukupan Modal (CAR) mampu memoderasi pengaruh Dana Pihak Ketiga (DPK) dan Risiko Kredit (NPF) terhadap Likuiditas (FDR).

Review

This study meticulously investigates the critical interplay between third-party funds, credit risk, and liquidity, with a particular focus on the moderating role of capital adequacy within Bank Muamalat Indonesia Tbk from 2014 to 2023. By utilizing Financing to Deposit Ratio (FDR) as a proxy for liquidity, Non-Performing Financing (NPF) for credit risk, and Capital Adequacy Ratio (CAR) for capital, the research addresses a highly relevant topic in banking management and financial stability, especially within the context of Islamic finance. The clear objective of analyzing these relationships, specifically through the lens of capital's moderating influence, establishes a robust framework for assessing key performance indicators of a financial institution. Methodologically, the paper employs a quantitative approach using 40 quarterly data points from the specified period, an appropriate sample size for a single-entity case study. The application of multiple linear regression and moderating regression analysis is standard and suitable for the stated objectives. The findings present a mixed picture: Third-Party Funds (DPK) are found to have no significant direct influence on liquidity (FDR), a result that might warrant further qualitative interpretation in a full paper. More notably, credit risk (NPF) shows a positive and significant effect on liquidity (FDR), a counter-intuitive outcome that suggests complex dynamics at play within the bank, perhaps indicating specific operational responses or unique characteristics during the study period. Crucially, the Moderating Regression Analysis confirms that Capital Adequacy Ratio (CAR) effectively moderates the influence of both DPK and NPF on liquidity, underscoring the vital role of capital in maintaining financial resilience. The primary strength of this research lies in its empirical demonstration of capital adequacy's significant moderating role, providing valuable insights for both bank management and regulators regarding the importance of robust capital buffers in navigating funding and credit risks to ensure liquidity. This finding contributes meaningfully to the literature, particularly for Islamic banking. However, a deeper discussion on the unexpected positive relationship between NPF and FDR would enhance the study's interpretive power and implications. Future research could benefit from comparative analysis with other Islamic banks or a broader panel study to assess the generalizability of these findings, and perhaps explore the mechanisms through which capital effectively moderates these relationships in greater detail. Overall, the study offers a solid foundation for understanding critical risk management aspects within the Indonesian Islamic banking sector.

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