Analisis Faktor Eksternal dan Internal Bank terhadap Risiko Pembiayaan Bank Umum Syariah di Indonesia Periode 2012-2015

Purnamasari, Amalia Eka; Musdholifah, Musdholifah

doi:10.26740/bisma.v9n1.p13-25

Cited by 15 publications

(21 citation statements)

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“…This is also due to the easier management of the CAR level already regulated by the OJK. These results were also found in Purnamasari andMusdholifah (2018), Haifa andWibowo (2015), and Firdaus (2015).…”

Section: Bound Test Cointegrationsupporting

confidence: 68%

The influence of financial performance and macroeconomic on financing risk in Islamic banks

Angraini

Sudarsono

Anindita³

2020

AJIM

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The aim of this research is to identify the influence of microeconomic and macroeconomic variables toward non-performing financing of Islamic Commercial Banks in Indonesia.Methodology: Microeconomic variables include CAR, FDR, BOPO, ROA, while macroeconomic variables include IPI, BI Rate, Inflation and SBIS for the period of 2015 to 2019. The data analysis method in this study is auto-regressive distributed lag (ARDL) using EViews 10 tool which can analyze the relationship between independent and dependent variables in the long-term and the short-term.Findings: This study shows that CAR has a positive and insignificant effect on NPF. Furthermore, BOPO, ROA, BI Rate have a significant positive effect on NPF, but FDR, inflation and SBIS have a significant negative effect on NPF. In the long-term, CAR, IPI and SBIS have a negative and insignificant effect on NPF, but BI Rate has a positive and insignificant effect. Suggestion in this research is to solve better research, so further research should be carried out by including a longer period of time.Practical implications: Islamic Bank Directors need to pay attention to the movement of BOPO and ROA which tend to consistently have a positive effect on the NPF level.Originality: This study presents the long-term and the short-term relationships of specific Islamic banking variables and macroeconomic variables on NPF in Indonesia.

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Section: Bound Test Cointegrationsupporting

confidence: 68%

The influence of financial performance and macroeconomic on financing risk in Islamic banks

Angraini

Sudarsono

Anindita³

2020

AJIM

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“…Hasil ini mendukung penelitian Sri Wahyuni Asnaini (2014) (Asnaini, 2014), Dinnul Alfian Akbar (2016) (Akbar, 2016), Sigit Arie Wibowo dan Wahyu Saputra (2017) (Wibowo & Saputra, 2017) , Rika Lidyah (2016) (Lidyah, 2016), dan Amalia Eka Purnamasari, Musdholifah (2016) (Purnamasari & Musdholifah, 2016), yang menyatakan bahwa Inflasi tidak berpengaruh terhadap NPF Bank Syariah.…”

Section: Pengaruh Inflasi Terhadap Non Performing Financingunclassified

The Effect of Inflation and Murabaha on Profitability with NPF as an Intervening Variable

Effendi

2020

JBMR

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This study aims to determine the effect of inflation, murabaha on the profitability of BPRS mediated by Non Performing Financing (NPF). This study uses quantitative methods and data analysis using Path Analysis with the help of WarpPls 5.0 test tool. Data sources are secondary data obtained from the official website of Bank Indonesia and the Sharia Banking Statistics Report. The results showed that: (1) Inflation did not affect the profitability of BPRS (2) Murabaha financing negatively affect the profitability of BPRS; (3) NPF has a negative effect on profitability of BPRS; (4) Inflation has no effect on NPF of BPRS; (5) Murabahah has a positive effect on NPF of BPRS; (6) NPFs can not mediate the inflation and profitability relationship of the BPRS; (7) NPF mediates the murabahah and profitability of BPRS

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“…Penelitian yang sebelumnya telah dilakukan lebih sering menggunakan variabel CAR dalam mengukur struktur modal yang ada pada perbankan. Hal ini terlihat pada penelitian yang dilakukan oleh (Bakti, 2017;Destiana, 2016;Giannini, 2013;Husaeni, 2017;Purnamasari & Musdholifah, 2018;Wardiantika & Kusumaningtias, 2014). Penelitian ini bertujuan untuk menganalisis pengaruh variabel struktur modal yaitu Debt to Asset Ratio (DAR) dan Debt to Equity Ratio (DER) terhadap variabel pembiayaan diukur secara langsung dengan menggunakan jumlah dari pembiayaan yang berjenis equity and debt financing yang disalurkan oleh BPRS.…”

Section: Pendahuluanunclassified

Struktur Modal dan Pembiayaan BPRS di Indonesia

Addury

2020

CJSI

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The development of BPRS is expected to contribute to the market share of Islamic banking in Indonesia. This study aims to analyze the impact of capital structure on the BPRS financing. The object of this research is 164 BPRS in Indonesia, with a range of annual data from 2010 to 2017. The dependent variable is debt and equity-based financing (DEBF). The independent variable is measured using a debt to asset ratio (DAR) and debt to equity ratio (DER). In addition, this study also uses three control variables namely size, GDP growth rate, and provincial inflation. The data analysis technique used is panel data regression. The results show that the capital structure by DAR consistently had a positive and significant effect on the BPRS financing. Moreover, the capital structure by DER does not have a significant effect on the BPRS financing

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Analisis Faktor Eksternal dan Internal Bank terhadap Risiko Pembiayaan Bank Umum Syariah di Indonesia Periode 2012-2015

Cited by 15 publications

References 0 publications

The influence of financial performance and macroeconomic on financing risk in Islamic banks

The influence of financial performance and macroeconomic on financing risk in Islamic banks

The Effect of Inflation and Murabaha on Profitability with NPF as an Intervening Variable

Struktur Modal dan Pembiayaan BPRS di Indonesia

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