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All Journal EQIEN - JURNAL EKONOMI DAN BISNIS Journal of Financial Economics & Investment
Ririn Poerwanti
Universitas Hayam Wuruk Perbanas
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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DETERMINAN KREDIT BERMASALAH PADA BANK DEVISA DI INDONESIA Evi Sistiyarini; Ririn Poerwanti
Eqien - Jurnal Ekonomi dan Bisnis Vol 8 No 2 (2021): EQIEN - JURNAL EKONOMI DAN BISNIS
Publisher : Sekolah Tinggi Ilmu Ekonomi Dr Kh Ez Mutaqien

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (331.117 KB) | DOI: 10.34308/eqien.v8i2.251

Abstract

This study aims to examine and analyze the factors which effect problem credit in Indonesia foreign exchange banks. The dependent variable is NPL. The independent variables consist of CAR, LDR, NIM, BOPO, interest rate and inflation. The data uses a secondary data with the documentation method. The populations of this study are all of the foreign exchange banks. There are 33 bank sample in this study. This research used panel data regression. The results showed that CAR, LDR, NIM, BOPO, interest and inflation simultanously have a significant effect on NPL. CAR, LDR, and BOPO variables partially have a negative effect but not significantly on NPL. NIM partially has a positive effect and not significant on the NPL. Interest rate partially has a significant positive effect on the NPL. The inflation variable partially has a significant negative effect on the NPL.
PERAN BPR SYARIAH TERHADAP PERTUMBUHAN EKONOMI DAERAH MELALUI KETAHANAN PANGAN: DAMPAK MODERASI INFLASI PANGAN DI DAERAH ISTIMEWA YOGYAKARTA Evi Sistiyarini; Ririn Poerwanti; Titis Puspitaningrum Dewi Kartika
Journal of Financial Economics & Investment Vol. 5 No. 3 (2025): Journal of Financial Economics & Investment
Publisher : Program Studi Ekonomi Pembangunan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jofei.v5i3.42040

Abstract

This study examines the role of Islamic rural banks in promoting regional economic growth in the Special Region of Yogyakarta (DIY), with food inflation as a moderating variable. Using secondary data, a purposive sample of 10 Islamic Rural Banks (BPR Syariah) was analyzed. The variables include Financing to Deposit Ratio (FDR) (X1), Non-Performing Financing (NPF) (X2), bank size (X3), Farmers’ Terms of Trade (NTP) (X4), food inflation (Z), and economic growth measured by Gross Regional Domestic Product (GRDP) (Y). Moderated Regression Analysis (MRA) was employed. Before moderation, NTP (X4) had a significant positive effect on economic growth, while FDR (X1), NPF (X2), and bank size (X3) showed positive but insignificant effects. Food inflation had a positive but insignificant effect as a moderator. After moderation, FDR (X1) and bank size (X3) remained positive but insignificant, while NPF (X2), NTP (X4), and food inflation had significant positive effects on economic growth. Food inflation did not moderate the effect of FDR (X1) but significantly and negatively moderated the effect of NTP (X4) on economic growth. These findings highlight the nuanced role of Islamic rural banks and macroeconomic variables in regional economic development.
Co-Authors Sistiyarini, Evi Titis Puspitaningrum Dewi Kartika