ABSTRAK Penelitian “Pengaruh Tingkat Likuiditas dan Rentabilitas Terhadap Pembiayaan pada PT BNI Syariah KCP Mojokerto Periode 2012-2015” dilatarbelakangi oleh adanya tarik ulur antara tingkat likuiditas, rentabilitas dan pembiayaan. Adapun rumusan masalah diantaranya, 1. Bagaimana keadaan tingkat likuiditas dan rentabilitas derta kondisi pembiayaan PT BNI Syariah KCP Mojokerto, 2. Bagaimana pengaruh tingkat likuiditas dan rentabilitas terhadap pembiayaan pada PT BNI Syariah KCP Mojokerto. Penelitian ini menggunakan jenis penelitian kuantitatif dengan tingkat likuiditas diwakili oleh rasio LDR (Loan to Deposit Ratio) dan LAR (Loan to Assets Ratio) sedangkan tingkat rentabilitas diwakili dengan rasio ROA (Return On Assets). Hasil penelitian menunjukkan bahwa berdasarkan hasil uji F statistik diketahui bahwa variabel LDR, LAR, dan ROA secara simultan berpengaruh signifikan terhadap variabel pembiayaan. Adapun hasil uji t statistik terhadap variabel LDR, LAR, dan ROA menunjukkan bahwa rasio ROA secara parsial berpengaruh signifikan terhadap pembiayaan. Berdasarkan hasil perhitungan koefisien determinasi (R2) diketahui bahwa nilai Adjusted R Square adalah sebesar 0,915. Kontribusi pengaruh LDR, LAR, dan ROA terhadap perubahan volume pembiayaan yang disalurkan adalah 91,50%. Sedangkan sisanya sebesar 8,50% dipengaruhi oleh faktor-faktor lain yang tidak dimasukkan dalam analisis penelitian ini. Kata Kunci: Loan to Deposit Ratio (LDR), Loan to Assets Ratio (LAR), Retutn On Assets (ROA) dan Pembiayaan.

ABSTRACT A study of “Influence the level of liquidity and profitability of the financing PT BNI Syariah branch offices Mojokerto the period 2012-2015”, the background of study is pull and pay out about the level of liquidity, profitability, and financing. The formulation of such problems, 1. How are the level of liquidity and profitability as well as financing conditions BNI Syariah KCP Mojokerto, 2. How does the level of liquidity and profitability of the finance BNI Syariah KCP Mojokerto. This study uses a quantitative research with the level of liquidity represented by the LDR (Loan to Deposit Ratio) and LAR (Loan to Assets Ratio) while the level of profitability represented by ROA (Return On Assets). The results showed that based on the results of the F test statistic is known that variable LDR, LAR, and ROA simultaneously significantly influence financial variables. The results of the statistical t test to variable LDR, LAR, and ROA indicates that ROA partially significant effect on the financing. Based on the calculation coefficient of determination (R2) note that the value of R square is equal to 0,915. Contributions influence LDR, LAR, dan ROA to changes in the volume of financing provided was 91,50%. While the remaining 8,50% is influenced by other factors not included in this analysis. Keywords: Loan to Deposit Ratio (LDR), Loan to Assets Ratio (LAR), Retutn On Assets (ROA) and financing.

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