Faktor-Faktor Non-Performing Financing (NPF) Di Bank Umum Syariah Indonesia

Khofidlotur Rofi’ah; Alvira ‘Aina A’yun

doi:10.24912/je.v24i3.609

Authors

Khofidlotur Rofi’ah Fakultas Ekonomi dan Bisnis, Universitas Airlangga Surabaya
Alvira ‘Aina A’yun Fakultas Ekonomi dan Bisnis, Universitas Airlangga Surabaya

DOI:

https://doi.org/10.24912/je.v24i3.609

Keywords: Non-Performing Financing, CAR, FDR, Inflation, SBIS.

Abstract

The bank's task is as an intermediary institution that is funding and lending. OJK Data shows that each year financing in Sharia banks continues to increase. Therefore sharia banking should prevent the minimum financing to occur and be obliged to know what the factors of the NPF are in order to maintain banking health. The purpose of this research is to know the NPF factors in Indonesia's Sharia bank. The research method used in this research is to use quantitative research with a double linear regression approach. The data used in this study was a monthly data series from the year 2014 to 2018. The variables used in this study are NPF as variable dependent and CAR, FDR, inflation, SBIS, BOPO as independent variables. The result in the study was the CAR and FDR impactful negative and significant to the NPF, inflation and SBIS impact negative and insignificant, while BOPO influential positive and significant.

Author Biographies

Khofidlotur Rofi’ah, Fakultas Ekonomi dan Bisnis, Universitas Airlangga Surabaya

khofidlotur.rofiah-2018@pasca.unair.ac.id

Alvira ‘Aina A’yun, Fakultas Ekonomi dan Bisnis, Universitas Airlangga Surabaya

alvira.aina.ayun-2018@pasca.unair.ac.id

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