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Journal : Tasharruf: Journal Economics and Business of Islam

THE INFLUENCE OF INTERNAL AND EXTERNAL FACTORS AS AN EXPLANATION OF CHANGES IN NON-PERFORMING FINANCING AT BANK BNI SYARIAH Sudirman Sudirman; Trimulato Trimulato; Andi Sadapotto; Yulianti Yulianti
Tasharruf: Journal Economics and Business of Islam Vol 7, No 2 (2022): DECEMBER
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v7i2.2084

Abstract

The purpose of this research is to analyze the influence of internal variables including Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), Operational Costs to Operating Income (BOPO), and external variables, including Inflation and value of the exchange rate on Non-Performing Financing (NPF). The data used is secondary data obtained from financial statements from Bank BNI Syariah and Central Statistics Agency. The type of data analyzed is time series quarter period last ten years, from 2011 to 2020. The data analysis method is carried out using multiple regression with SPSS version 26. The results of this study found together the Financing to Deposit Ratio variables (FDR), Capital Adequacy Ratio (CAR), Operating Costs to Operating Income (BOPO), Inflation, and Exchange Rates have a significant effect on Non-Performing Financing (NPF). Meanwhile, the partial Financing to Deposit Ratio (FDR) variable has a negative and insignificant effect on Non-Performing Financing (NPF). Likewise, Operational Costs on Operating Income (BOPO) have a positive and insignificant effect on Non-Performing Financing (NPF). Meanwhile, Capital Adequacy Ratio (CAR) and Inflation have a positive and significant effect on Non-Performing Financing (NPF). However, the exchange rate has a negative and significant effect on Non-Performing Financing (NPF). The conclusions were tested together with variables Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), Operating Costs to Operating Income (BOPO), Inflation, and Exchange rates have a significant effect on Non-Performing Financing (NPF) at Bank BNI Syariah.
Co-Authors A, Chairil A. Abdillah Abulkhair A. Mujetahid M. abd kahar Abdul Kadir abdul Kahar Ahmad Abrar Averror Abrar Averror Aksan, Muhammad Alda, Alda Amalia Amalia Andi Prastiyo Andi Riska Andreani Syafaruddin Andi Takdir Andi Uceng Ansar Ansar Anugrah Yuda Pratama Arif Saputra, Arif Arty, Budi Asirah Asirah Asman M Asrifan, Andi Astuti Arif Aswadi Aswadi Aulia Pramudita Amalia Baharuddin Besse Tuti Alawiah Budiaman Budiaman Budiaman Buhari Buhari Chairil Dini Intan Sari Ecca, Suleha Eka Marhawati ELIHAMI, ELIHAMI Emy Nur Rahmayani Erfina Erfina evy kartini Firman Firman Firman Saleh H, Zulkifli Hambing, Agus Harlina Hasan H Hasan Hasan Hasan Hasan Hasan Hasan Hasanuddin, Fenny Haslinda Hasrianti Hasrianti Hasriyani Y Iin Anggeriani Ilhamuddin Ilhamuddin Ismail Ma'sa Isumarni Isumarni Jala, Jusrianto Jamaluddin Ahmad Jamaluddin Jamaluddin Jamaluddin Jamaluddin Jones Cherady Juniarti Juniarti K. J. Vargheese Kamridah . Kamridah Habe Kasman, Nuraini Khalik, Suhartini L, Syahrir Lababa Lababa Lababa Lababa Lababa Lababa Lince, Lince M, Usman M. Ridwan Makkasau, Ahmad Rifqi Manda, Ibrahim Masna Muh.Hikmal Danial Muhammad Hanafi Muhammad Hanafi Muhammad Hanafi Muhammad Hanafi Muhammad Hanafi Muhammad Hanafi Muhammad Hanafy Muhammad Iksan Muhammad Iksan, Muhammad Muhammad Nawir Muhammad Said Husain Muhammad Syahrip Muhlis Kanto Muin, Andi Vika Faradiba Muin, Andi Vika Varadiba Muliani Muthmainnah Nadirah Nadirah Nadirah Nadirah, Nadirah Nehru Pasoloran Pongsapan Nicodemus Bisse Nur Daniah NR Nuraeni Kasman Nuraeni Kasman Nurdiyanti N Nurfitri Nurhaedah Nurhaedah Nurhumairah Nurul Fadhilah Suardi Nurul Faradillah Nurul Faradillah Prastiyo, Andi Prodhan Mahbub Ibna Seraj Pujiana Anwar Putra, Benny Rabihatun Idris Rambung, Herna Rasyid, Rustam Efendy Rezki Utami Muslimin Risnah Risnah, Risnah Rizki Amalia Sabar, Adrayanti Salma Salma Salma Salma Sam Hermansyah Samsu T Sitti Aisa Sitti Aisa Sitti Nuraeni Sitti Nuraeni Sri Ayu Rahayu Sri Fitri Ramadhani Sry Jumartini Sudirman Sudirman Syahrir L syahrir L syahrir Syahrir L. SYAMSU ALAM Syamsu Rijal Syamsu T Syamsu Tang Syamsuddin Millang, Syamsuddin T Syamsu T, Syamsu Tang, Jusman Trimulato Trimulato Usman M Usman M Usman Usman Usman Usman WAHYUNI Yizrel Nani Sallata yulianti yulianti Zulaikha, Izni Zulkifli N