CD Tesis
Analisis Faktor Eksternal Dan Internal Terhadap Non Performing Financing Pada Bank Umum Syariah Dan Unit Usaha Syariah Di Indonesia Periode Tahun 2010-2017
One indicator in assessing the soundness of Islamic banks is to look at asset quality reflected in the level of the ratio of Non Performing Financing (NPF). The Non Performing Financing (NPF) ratio is the ratio between non-performing financing (which is included in the criteria for financing that is substandard, doubtful and loss) with the total financing disbursed. The purpose of this study is to find out how external factors consisting of inflation, economic growth are proxied with (GDP) and the exchange rate of Rupiah against US dollars is proxied by (exchange rate) and internal factors which consist of Financing to Deposit Ratio (FDR), Profit Loss Ratio Sharing compared to Total Financing Return (RR) and Growth of IPP Financing) on Non Performing Financing (NPF) in Sharia Commercial Banks and Sharia Business Units in the period 2010-2017.
The approach of this research is quantitative. The population in this study were all Islamic Commercial Banks (BUS), which numbered 13 Banks and Sharia Business Units (UUS) totaling 23 Banks in Indonesia which had operated until 2017 with a total of 36 Banks. The selection of research samples was carried out using a purposive sampling method with certain criteria. Based on these criteria a sample of 25 Islamic banks (BUS) and Sharia Business Units (UUS) were obtained. The type of data used is secondary data obtained from various sources. The data analysis method used is multiple linear regression.
The results showed that, Inflation (INF), Exchange Rate (Exchange Rate), Financing to Deposit Ratio (FDR), and The Profit Loss Sharing ratio compared to the Total Financing Return (RR) has a significant effect on Non Performing Financing (NPF). Economic growth (GDP) and And the Growth of Financing (PP) has a significant negative effect on Non Performing Financing (NPF). The amount of all variables towards NPF is 15.1% while the remaining 84.9% is explained by other factors outside the research model.
Keywords: Inflation, Gross Domestic Product, Rupiah Exchange Rate (Exchange Rate), Financing to Deposit Ratio (FDR), Profit Loss Sharing Ratio compared to Total Financing Return (RR), Financing Growth (PP), and Non Performing Financing (NPF).
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