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All Journal Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) JUEBIR: Journal of Economics and Business Research
Sucik Lestari
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Religion Humanities Economics, Econometrics & Finance Social Sciences

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ANALISIS PENGARUH VARIABEL MAKROEKONOMI TERHADAP RESIKO KREDIT PADA BANK SYARIAH DI INDONESIA Sucik Lestari; Mufti Arief Arfiansyah
Jurnal Ilmiah Akuntansi, Manajemen dan Ekonomi Islam (JAM-EKIS) Vol. 8 No. 2 (2025): Jurnal Ilmiah Akuntansi, Manajemen, dan Ekonomi Islam (JAM-EKIS)
Publisher : Universitas Muhammadiyah Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36085/jamekis.v8i2.8131

Abstract

This study aims to analyze the influence of macroeconomic factors, such as the inflation rate, Bank Indonesia interest rate (BI Rate), and economic growth (GDP), on credit risk, which is measured through Non-Performing Financing (NPF) in Islamic Commercial Banks in Indonesia during the 2020–2024 period. The approach used in this study is quantitative, utilizing secondary data obtained from the financial reports of Islamic banks registered with the Financial Services Authority (OJK), with a sample size of 220 data points. The analysis is conducted using panel data regression with the Random Effect Model (REM), selected through the Chow test, Hausman test, and Lagrange Multiplier test. The results show that inflation, BI Rate, and economic growth have a negative and significant effect on NPF. Therefore, increases in these macroeconomic variables tend to reduce the level of problematic financing in Islamic banking. These findings have important implications for regulators and Islamic banks in formulating risk management policies to maintain financial system stability
Analisis Pengaruh Faktor Eksternal: Tingkat Inflasi, Suku Bunga BI, dan Pertumbuhan Ekonomi (GDP) terhadap Risiko Kredit Pada Bank Syariah (NPF) sucik lestari; Khoiriyah, Rahmawati
Journal of Economics and Business Research (JUEBIR) Vol. 3 No. 2 (2024): December 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/juebir.v3i2.8149

Abstract

This research aims to analyze the influence of inflation, BI interest rates, and economic growth (GDP) on NPF (Non-performing Financing). This study was conducted on Sharia Banks registered with Sharia Commercial Banks (BUS) in 2018-2022. The data used is secondary data from the annual reports of Sharia Banks. The sampling technique was purposive sampling, obtaining a research sample of 55 data. The research method used is a quantitative research method using data analysis techniques, namely panel data regression analysis, while data processing uses the Eviews 10 program. The research results show that the BI interest rate has a positive effect on NPF (Non-performing financing). Meanwhile, inflation and economic growth (GDP) has a negative effect on NPF (Non-performing financing).
Co-Authors Mufti Arief Arfiansyah Rahmawati Khoiriyah