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Sistiyarini, Evi
Bachelor Of Manajement Department, STIE Perbanas Surabaya
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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Journal : BAABU AL-ILMI: Ekonomi dan Perbankan Syariah

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Determinan Non Performing Financing dengan Inflasi Sebagai Variabel Moderasi Pada Bank Umum Syariah Sistiyarini, Evi
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 10, No 1 (2025): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v10i1.7677

Abstract

In providing loan facilities in the form of financing to customers, every Islamic bank needs to apply the principle of prudence by conducting proper analysis and good management. This is expected to reduce the risk of non-performing financing so that the NPF of Islamic banks can decrease. Increasing NPF in banks can increase risk and lower bank profits. There are 5 independent variables, namely FDR, BOPO, bank size, GDP and exchange rate. The moderation variable used is inflation. The dependent variable is NPF. The research sample consisted of 10 Sharia Commercial Banks taken by purposive sampling method in the first quarter of 2019 to the fourth quarter of 2023. This study uses the panel data regression method and Moderated Regression Analysis with the eviews program. The results of the analysis showed that partially the variables FDR, BOPO, GDP and Exchange Rate had a non-significant negative influence on NPF, while the bank size variable had a significant negative influence on NPF. The inflation variable as a moderation variable is able to moderate the influence of FDR and measures significantly on NPF.
Co-Authors Agustina Ratna Dwiati, Agustina Ratna Ambarwati, Yulian Belinda Ardianto, Herwin Dewi Ayu Wulandari, Dewi Ayu Dwiati , Agustina Ratna Emanuel Kristijadi Kadek Pranetha Prananjaya, Kadek Pranetha Nasution, Zubaidah Rohmad Fuad Armansyah, Rohmad Fuad Rokhmania, Nur Aini rokhmania, nur'aini Romi Ilham, Romi Sihotang , Ellen Theresia Sihotang, Ellen Theresia Sudjarno Eko Supriyono