Analisis Pengaruh Faktor Eksternal: Tingkat Inflasi, Suku Bunga BI, dan Pertumbuhan Ekonomi (GDP) terhadap Risiko Kredit Pada Bank Syariah (NPF)

sucik lestari
Khoiriyah, Rahmawati

JUEBIR: Journal of Economics and Business Research
Vol. 3 No. 2 (2024): December 2024

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).