Pradana, Nafisyah Lutfi (2024) TINJAUAN FAKTOR YANG MEMPENGARUHI NON PERFORMING FINANCING (NPF) BANK UMUM SYARIAH DI INDONESIA PERIODE TAHUN 2018 - 2022. Other thesis, UPN Veteran Yogyakarta.
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Abstract
viii
INTISARI
Pembiayaan bermasalah merupakan pembiayaan yang diberikan pihak perbankan
yang bersifat kurang lancar atau macet. Pembiyaan bermasalah yang tinggi akan
berdampak pada penurunan kemampuan perbankan dalam penyaluran dan
pengelolaan dana. Penelitian ini bertujuan untuk menganalisis pengaruh variabel
Capital Adequacy Ratio (CAR), Rasio Efisiensi Operasional (REO)/BOPO, Dana
Pihak Ketuga (DPK) sebagai faktor internal bank dan Produk Domestik Bruto
(PDB), Inflasi, Kurs/Nilai Tukar sebagai faktor eksternal (Makroekonomi) terhadap
Non Performing Financing (NPF) pada bank umum syariah di Indonesia periode
2018 – 2022. Jenis penelitian ini menggunakan metode penelitian kuantitatif. Alat
analisis yang digunakan berupa analisis regresi data panel dengan mengambil
sampel 7 bank umum syariah yang berada di Indonesia menggunakan software E-
views versi 13. Hasil penelitian ini menunjukan bahwa Variabel CAR memiliki
pengaruh negative dan signifikan terhadap NPF pada bank umum syariah. Variabel
REO/BOPO dan DPK tidak berpengaruh terhadap NPF pada bank umum syariah.
Sementara dari faktor makroekonomi variabel Inflasi memiliki pengaruh negative
dan signifikan terhadap NPF, Kurs/Nilai tukar memiliki pengaruh positif dan
signifikan terhadap NPF pada bank umum syariah, sedangkan variabel PDB tidak
memiliki pengaruh terhadap nilai NPF pada bank umum syariah di Indonesia.
Kata Kunci : NPF, CAR, REO/BOPO, DPK, PDB, Inflasi, Kurs
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ABSTRACT
Non-performing financing is financing provided by banks that is substandard or
bad. High non-performing financing will have an impact on reducing the ability of
banks to distribute and manage funds. This study aims to analyse the effect of
Capital Adequacy Ratio (CAR) variables, Operational Efficiency Ratio
(REO)/BOPO, Third Party Funds (DPK) as internal bank factors and Gross
Domestic Product (GDP), Inflation, Exchange Rates as external factors
(Macroeconomics) on Non Performing Financing (NPF) at Islamic commercial
banks in Indonesia for the period 2018 - 2022. This type of research uses
quantitative research methods. The analytical tool used is panel data regression
analysis by taking a sample of 7 Islamic commercial banks located in Indonesia
using E-views software version 13. The results of this study indicate that the CAR
variable has a negative and significant effect on NPF in Islamic commercial banks.
REO / BOPO and DPK variables have no effect on NPF in Islamic commercial
banks. While from macroeconomic factors, the Inflation variable has a negative
and significant effect on NPF, the Exchange Rate has a positive and significant
effect on NPF in Islamic commercial banks, while the GDP variable has no effect
on the NPF value of Islamic commercial banks in Indonesia.
Keyword : NPF, CAR, REO/BOPO, DPK, GDP, Inflation, Exchange Rate
| Item Type: | Thesis (Other) |
|---|---|
| Uncontrolled Keywords: | NPF, CAR, REO/BOPO, DPK, GDP, Inflation, Exchange Rate |
| Subjects: | H Social Sciences > HB Economic Theory |
| Divisions: | Faculty of Law, Arts and Social Sciences > School of Management |
| Depositing User: | Eko Yuli |
| Date Deposited: | 07 Jun 2024 07:27 |
| Last Modified: | 07 Jun 2024 07:27 |
| URI: | http://eprints.upnyk.ac.id/id/eprint/39684 |
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