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ANALISIS PENGARUH FAKTOR EKSTERNAL BANK SYARIAH TERHADAP NON PERFORMING FINANCING (NPF) BANK UMUM SYARIAH DI INDONESIA
Islamic banking at this time is one of the important things in the country's economy. Non-Performing Financing is one of the ratios considered by Islamic banking. NPF is an indicator that shows the risk of loss due to financing. The worsening NPF ratio means that Islamic banks have a high level of non-performing financing. This study aims to analyze the influence of internal and external factors on the NPF of Islamic banks in Indonesia. Hypothesis testing using BI Rate, Tutuk Value, GDP, ROA and FDR as the independent variables and the NPF ratio as the dependent variable. The population in this study consisted of 8 Islamic banks in Indonesia. The sample used in this study is the annual financial statements of Bank Syariah Mandiri, Bank Muamalat Indonesia, BRI Syariah, Bank Panin dubai and Bank Syariah Bukopin Syariah for the period 2010-2020 as well as data on exchange rates against the United States dollar, BI Rate, GDP using the purposive method. sampling. The data used is secondary data obtained from financial statements that can be downloaded from the official website of each bank and the official website of Bank Indonesia. The analytical method used is multiple regression with a significance level of 5%. The results showed that partially ROA had a significant positive effect on the NPF of Islamic banks. For the FDR, Bi Rate, GDP and exchange rate variables partially have no effect on NPF. Simultaneously or together the BI Rate, Foreign Exchange Rate, GDP, ROA and FDR variables. The regression estimation results show the predictive ability of the model is 16.27%, while the remaining 83.73% is influenced by other factors outside the model that have not been included in this study.
FAKULTAS EKONOMI DAN BISNIS ISLAM, UIN SUNAN KALIJAGA YOGYAKARTA
ANALISIS PENGARUH FAKTOR EKSTERNAL BANK SYARIAH TERHADAP NON PERFORMING FINANCING (NPF) BANK UMUM SYARIAH DI INDONESIA (Text)
ANALISIS PENGARUH FAKTOR EKSTERNAL BANK SYARIAH TERHADAP NON PERFORMING FINANCING (NPF) BANK UMUM SYARIAH DI INDONESIA (Other)
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