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All Journal Journal of Islamic Economics and Finance Journal of Islamic Economics and Finance
Natasyanurul Fatimah
STIE Bank BPD Jateng
Economics, Econometrics & Finance

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Analisis Pengaruh Faktor Internal dan Faktor Eksternal Terhadap Non Performing Financing (NPF) Pada Bank Umum Syariah di Indonesia Natasyanurul Fatimah; Khairina Nur Izzaty
JIEF : Journal of Islamic Economics and Finance Vol. 2 No. 2 (2022): JIEF VOLUME 2 NO 2 TAHUN 2022
Publisher : Departement of Sharia Economics, Faculty of Islamic Economics and Business, IAIN Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/jief.v2i2.5702

Abstract

This study aims to analyze the influence of internal factors such as FDR, CAR, and BOPO and external factors such as inflation, BI rate, and exchange rates against Non-Performing Financing (NPF) at Islamic Commercial Bank in Indonesia. This study uses a quantitative approach carried out at Islamic Commercial Banks registered at OJK from the first quarter of 2019 to the third quarter of 2021. The sample in this study was determined using a purposive sampling method so that 9 Islamic Commercial Banks were obtained according to the criteria. The data analysis method used is multiple linear regression and a goodness of fit test of a model that is processed using IBM SPSS 25. Based on the results of data testing shows that: (1) The Financing to Deposit Ratio has no significant effect on Non Performing Financing; (2) Capital Adequacy Ratio has no significant effect on Non-Performing Financing; (3) Operating Expense on Operating Income has a positive and significant effect on Non-Performing Financing, (4) Inflation does not have a significant effect on Non-Performing Financing, (5) the BI rate does not significantly affect Non-Performing Financing, and (6) The Exchange rate has a positive and significant effect on Non-Performing Financing
Analisis Pengaruh Faktor Internal dan Faktor Eksternal Terhadap Non Performing Financing (NPF) Pada Bank Umum Syariah di Indonesia Natasyanurul Fatimah; Khairina Nur Izzaty
Journal of Islamic Economics and Finance Vol. 2 No. 2 (2022): JIEF VOL.2 NO.2 NOVEMBER 2022
Publisher : Departement of Sharia Economics, Faculty of Islamic Economics and Business, Universitas Islam Negeri K.H Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (949.032 KB) | DOI: 10.28918/jief.v2i2.5702

Abstract

This study aims to analyze the influence of internal factors such as FDR, CAR, and BOPO and external factors such as inflation, BI rate, and exchange rates against Non-Performing Financing (NPF) at Islamic Commercial Bank in Indonesia. This study uses a quantitative approach carried out at Islamic Commercial Banks registered at OJK from the first quarter of 2019 to the third quarter of 2021. The sample in this study was determined using a purposive sampling method so that 9 Islamic Commercial Banks were obtained according to the criteria. The data analysis method used is multiple linear regression and a goodness of fit test of a model that is processed using IBM SPSS 25. Based on the results of data testing shows that: (1) The Financing to Deposit Ratio has no significant effect on Non Performing Financing; (2) Capital Adequacy Ratio has no significant effect on Non-Performing Financing; (3) Operating Expense on Operating Income has a positive and significant effect on Non-Performing Financing, (4) Inflation does not have a significant effect on Non-Performing Financing, (5) the BI rate does not significantly affect Non-Performing Financing, and (6) The Exchange rate has a positive and significant effect on Non-Performing Financing
Co-Authors Khairina Nur Izzaty