Salsabilla, Annisa and Vietha Devia, SS, SE., ME., Ph.D. (2023) Analisis Pengaruh Faktor Eksternal Dan Faktor Internal Bank Terhadap Non Performing Financing (Npf) Pada Bank Muamalat Indonesia Tahun 2011-2020. Sarjana thesis, Universitas Brawijaya.
Abstract
Non Performing Financing (NPF) merupakan rasio yang menunjukkan seberapa besar pembiayaan bermasalah yang dimiliki bank syariah. Kenaikan rasio NPF Bank Syariah akan menyebabkan tingkat kesehatan serta likuiditas bank menurun. Penelitian ini bertujuan untuk mengetahui bagaimana faktor eksternal berupa inflasi dan PDB, serta faktor internal bank berupa Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Beban Operasional terhadap Pendapatan Operasional (BOPO), dan Dana Pihak Ketiga dapat mempengaruhi perubahan rasio NPF. Sehingga pihak Bank Syariah dapat menjadikan informasi tersebut untuk digunakan sebagai acuan pembuatan regulasi dalam mengantisipasi kenaikan rasio NPF. Penelitian ini berfokus pada Bank Muamalat Indonesia dengan menggunakan periode waktu kuartal tahun 2011-2020. Penelitian ini menggunakan pendekatan kuantitatif dengan melakukan analisis regresi time series untuk melihat pengaruh simultan dan parsial dari variabel independen terhadap variabel dependennya. Hasil penelitian ini menunjukkan bahwa secara simultan Inflasi, PDB, CAR, FDR, BOPO, dan DPK berpengaruh signifikan terhadap NPF Bank Muamalat. Secara parsial Inflasi dan BOPO berpengaruh positif signifikan, PDB, dan DPK berpengaruh negatif signifikan, sedangkan CAR dan FDR tidak berpengaruh terhadap NPF Bank Muamalat.
English Abstract
Non Performing Financing (NPF) is a ratio that shows the amount of financing problem on Islamic Bank. And increase in the NPF ratio of Islamic Bank will cause the bank’s health level and liquidity to decrease. This study aims to find out how external factors such as inflation and GDP, as well as bank internal factors such as Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operational Efficiency Ratio (BOPO), and Third Party Funds can affect changes in the ratio NPF. Islamic Bank can use this information as a reference for making regulations in anticipating an increase in the NPF ratio. This research focuses on Bank Muamalat Indonesia using the 2011-2020 quarter time period. This study uses a quantitative approach by conducting time series regression analysis to see the simultaneous and partial effects of the independent variables on the dependent variable. The results of this study indicate that inflation, GDP, CAR, FDR, BOPO, and Third Party Funds simultaneously have a significant effect on Bank Muamalat's NPF. Partially, inflation and BOPO have a significant positive effect, GDP and Third Party Funds have a significant negative effect, while CAR and FDR have no effect on Bank Muamalat's NPF
Other obstract
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| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | 0523020002 |
| Uncontrolled Keywords: | Faktor Eksternal, Faktor Internal, Non Performing Financing. External Factors, Internal Factors, Non Performing Financing. |
| Subjects: | 300 Social sciences > 330 Economics |
| Divisions: | Fakultas Ekonomi dan Bisnis > Ilmu Ekonomi |
| Depositing User: | PKN 01 UB |
| Date Deposited: | 15 Jun 2023 02:56 |
| Last Modified: | 15 Jun 2023 02:56 |
| URI: | http://repository.ub.ac.id/id/eprint/201676 |
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