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All Journal Niagawan At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman KINDAI : Kumpulan Informasi dan Artikel Ilmiah Manajamen dan Akuntansi Journal Of Islamic Social Finance Management Jurnal Studi Pemerintahan dan Akuntabilitas Journal Markcount Finance INASJIF Profetik Jurnal Ekonomi Syariah Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman
Zein, Aliman Syahuri
UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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Journal : journal markcount finance

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Factors Influencing Non-Performing Financing (NPF) In Sharia Banking Hardana, Ali; Zein, Aliman Syahuri; Johanna, Anne; Avinash, Buschhaus
Journal Markcount Finance Vol. 1 No. 2 (2023)
Publisher : Yayasan Pendidikan Islam Daarut Thufulah

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (310.387 KB) | DOI: 10.55849/jmf.v1i2.87

Abstract

The risk of financing is the risk caused by the failure of the custom[1]ers to fulfill their obligations. Non-performing financing (NPF) is a representation of financing risk that is channeled and has a direct impact on bank profitability. The value of NPF tends to increase annually with a value that is already close to the maximum limit set by Bank Indonesia of 5 percent. This condition is able to lead to the inefficiency of the banking system and in the long run, will have an impact on the sustainability of the bank. Therefore, the analysis of NPF factors should be conducted as a preventive mea[1]sure and a risks controller of business activities. This research an[1]alyzes the factors influencing NPF at sharia banking (BUS) using a quarterly datafrom first quarter of 2012 until third quarter 2016. Method used in this research is panel data analysis. The result of analysis shows that the factors influencing NPF negatively and sig[1]nificantly are ratio of revenue sharing financing (RR), Return on ssets (ROA), inflation, Capital Adequacy Ratio (CAR) and Bank[1]size while Gross Domestic Product (GDP) and Operating Cost to Operating Income (BOPO) have a significant positive effect.
Co-Authors Abdul Hanafi Harahap Ali Hardana Annida Karima Sovia Arti Damisa Aulia Putri Siregar Aulia, Nurhikmah Avinash, Buschhaus Azwar Hamid Damri Batubara Fitriani Gian Turnando Harahap, Darwis Harahap, Ima Khoirunnisa Harahap, Nova Khairani Hasibuan, Fauziah Andriany Hasibuan, Isroh Hayani Hasibuan, Wanda Putri Etika Sari Jafar Nasution Johanna, Anne Kholila, Nur Lahagu, Yulia Safitri lestari, sry lestari Lubis, Delima Sari Muhammad Isa Nasution, Astari Salsabila Nur Mutia Nur Mutiah Nurhalimah Nurhalimah Nurhudawi, Nurhudawi Nurhudawi, Nurhudawi, Nurul Qosimah Siregar R, Rukiah Rahayu Rahayu Safitri, Alwijah Indah Safitri, Destia Indah Safrul Daulay Salwa, Lamis Saripah, Aminah Simbolon, Nurul Faradilla Siregar, Nurhayani Siregar, Rosita Tri Surya Walidah Izzah Nabila Yuli Rahmadani Harahap Zul Ardi Hasibuan