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All Journal Jurnal Riset Multidisiplin Edukasi AT-TAKLIM: Jurnal Pendidikan Multidisiplin
Achmarul Fajar
Fakultas Ekonomi dan Bisnis, Universitas Madura
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ANALISIS PENGARUH NON PERFORMING LOAN (NPL) TERHADAP KINERJA BANK SWASTA DI INDONESIA Achmarul Fajar; Dian Lestari; Nurinda Aulia; Alfin Naila
AT-TAKLIM: Jurnal Pendidikan Multidisiplin Vol. 3 No. 5 (2026): At-Taklim: Jurnal Pendidikan Multidisiplin (Mei 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/at-taklim.v3i5.2032

Abstract

The banking industry has experienced ups and downs for decades. Declining economic activity, inflation and interest rate changes cause banks to selectively shift non performing loan surge (NPL). High NPL is an indicator of failure of the bank in managing the business. In this study aims to analyze the performance of banking NPLs in Indonesia as well as influencing factors (LDR, LAR, Inflation, BI rate, Credits given). In this study, NPL as dependent variable and LDR, LAR, inflation, BI_rate, and credit are given as independent variables. In this study, the classical assumptions are tested heterokedastisitas, multikolinearitas, and autocorrelation to determine the relationship between variables. The results concluded that the performance of banking NPLs in Indonesia in 2012 to 2016 is still well below 5%. But in the year 2016, the performance of NPL Bank Permata bad that is equal to 6.56%. Overall, in 2016 NPLs of banks almost increased except Bank BRI. The effect of the bebas variables on the NPL is sequentially given credit, inflation, LDR, LAR and BI rate. The classical test results also concluded that NPLs with LDR, LAR, inflation, BI rate, and credit provided have a strong correlation.
STUDI KOMPARATIF MODEL BUSSINESS BANK KONVENSIONAL VS SYARIAH DI ERA EKONOMI HIJAU Achmarul Fajar; Lailatus Saadah; Qanita Farahdina; Vina Qonita
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 5 (2026): Jurnal Riset Multidisiplin Edukasi (Mei 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i5.2008

Abstract

This study aims to comprehensively analyze the operational differences between Islamic banking and conventional banking systems in Indonesia, focusing on the fundamental principles, products, and operational mechanisms of each system. Using a comparative analysis approach, the research examines fundamental aspects such as the underlying philosophies of operations, methods of fund management, profit-sharing mechanisms, and risk management approaches. The findings reveal significant differences between the two systems: Islamic banks operate based on Sharia principles that prohibit riba (interest) and promote profit sharing and partnership contracts, while conventional banks use an interest-based system as their operational foundation. Additionally, Islamic banks adopt a more cautious approach to risk management to ensure compliance with Sharia values, which influences the structure of the products and services offered. The results of this study are expected to contribute to a deeper understanding of the unique characteristics of both banking systems and their implications within the context of Indonesia's dual banking system. These findings may also serve as a reference for policymakers, banking practitioners, and the public to assess the advantages and disadvantages of each system in supporting financial stability and economic inclusion.
Co-Authors Alfin Naila Dian Lestari Lailatus Saadah Nurinda Aulia Qanita Farahdina Vina Qonita