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All Journal Jurnal Ekonomi Islam Jurnal Ekonomi Islam Journal of Applied Economics in Developing Countries
Amima, Alda Fildza
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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THE INFLUENCE OF CONSUMPTION LEVELS, INFLATION, CAR, AND BOPO AGAINST PROBLEM FINANCING IN SHARIA COMMERCIAL BANK Amima, Alda Fildza; Khoiriyah, Rahmawati; Shamsuddin, Muhammad Aiman Hakim Bin
Ekonomi Islam Vol. 15 No. 1 (2024): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v15i1.13472

Abstract

The aim of this research is to identify variables that influence Non-Performing Financing (NPF) of sharia banking in Indonesia. Consumption level (GDP), price increase (inflation), capital adequacy (CAR), operating expenses and operating income (BOPO) are the variables used in this research as independent variables. This data was taken from the Sharia Financial Development Report and analyzed using the multiple regression method. The general population in this research is Sharia Commercial Banks registered with the Financial Services Authority (OJK) in 2018-2022, with a total research observation sample of 5 types of Sharia banks, because other categories of Sharia commercial banks do not meet the criteria for this research. The research results show that all variables do not have a significant influence on Non-Performing Financing (NPF) except that the Capital Adequacy Ratio (CAR) has a small influence on Non-Performing Financing (NPF). Previous research explains that capital adequacy (CAR) has a positive and significant effect on non-performing financing (NPF). Meanwhile, this research explains that capital adequacy (CAR) has a negative effect on non-performing financing (NPF).
THE INFLUENCE OF CONSUMPTION LEVELS, INFLATION, CAR, AND BOPO AGAINST PROBLEM FINANCING IN SHARIA COMMERCIAL BANK Amima, Alda Fildza; Khoiriyah, Rahmawati; Shamsuddin, Muhammad Aiman Hakim Bin
Ekonomi Islam Vol. 15 No. 1 (2024): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v15i1.13472

Abstract

The aim of this research is to identify variables that influence Non-Performing Financing (NPF) of sharia banking in Indonesia. Consumption level (GDP), price increase (inflation), capital adequacy (CAR), operating expenses and operating income (BOPO) are the variables used in this research as independent variables. This data was taken from the Sharia Financial Development Report and analyzed using the multiple regression method. The general population in this research is Sharia Commercial Banks registered with the Financial Services Authority (OJK) in 2018-2022, with a total research observation sample of 5 types of Sharia banks, because other categories of Sharia commercial banks do not meet the criteria for this research. The research results show that all variables do not have a significant influence on Non-Performing Financing (NPF) except that the Capital Adequacy Ratio (CAR) has a small influence on Non-Performing Financing (NPF). Previous research explains that capital adequacy (CAR) has a positive and significant effect on non-performing financing (NPF). Meanwhile, this research explains that capital adequacy (CAR) has a negative effect on non-performing financing (NPF).
THE EFFECT OF CAPITAL RATIOS, CREDIT RISK, AND INFLATION ON LIQUIDITY IN INDONESIAN ISLAMIC COMMERCIAL BANKS Amima, Alda Fildza; Muharrami, Rais Sani
Journal of Applied Economics in Developing Countries Vol 10, No 1 (2025): Journal of Applied Economics in Developing Countries
Publisher : MESP–FEB UNS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/jaedc.v10i1.99447

Abstract

This study explores the effect of Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and inflation on liquidity of Islamic commercial banks in Indonesia. The results of the analysis show that NPF has a significant impact on liquidity, while CAR and inflation show no significant effect. This finding implies that effective credit risk management is essential for Islamic banks to maintain liquidity.  Therefore, Islamic banks should tighten the analysis of financing eligibility and conduct stricter monitoring of the financing portfolio to minimize NPF. Although CAR is important for assessing capital health, an increase in CAR does not directly improve liquidity, which suggests that Islamic banks should focus on cash flow management and asset quality. Since Islamic banks do not rely on interest rates, inflation does not have a direct impact on liquidity. In this context, recommended policies include improving staff training in risk analysis and developing strategies to diversify financing portfolios to reduce reliance on one market segment that may be more prone to risk. Thus, the main focus for Islamic banks is to strengthen credit risk management and improve risk analysis capabilities to ensure liquidity stability in the face of volatile economic challenges.
Co-Authors Muharrami, Rais Sani Rahmawati Khoiriyah Shamsuddin, Muhammad Aiman Hakim Bin