Pengaruh Faktor Internal Bank Dan Makro Ekonomi Terhadap Non Performing Financing Perbankan Syariah Di Indonesia: Periode 2010:01 – 2014:04

Haifa, Haifa; Wibowo, Dedi

doi:10.30997/jn.v1i2.253

Cited by 8 publications

(10 citation statements)

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“…According to Akbar (2016)dan Financing to Deposit Ratio (FDR, the higher this ratio the lower the bank's liquidity capability. This assumption is consistent with research conducted by Haifa & Wibowo (2015), Firmansyah (2014), Sari (2016) and Setiawan & Sherwin (2017) stated that Financing to Deposit Ratio (FDR) has a positive effect on Non-Performing Financing (NPF) in Islamic banks in the short and long term. The decrease in CAR is a result of a decrease in the amount of bank capital or an increase in the number of Risk Weighted Assets (RWA).…”

Section: Introductionsupporting

confidence: 89%

“…Financing to Deposit Ratio (FDR) examined by Haifa & Wibowo (2015), Sari (2016) and Firmansyah (2014) showed a significant positive effect on Non Performing Financing (NPF), whereas Akbar (2016)dan Financing to Deposit Ratio (FDR, Setiawan & Sherwin (2017) and Farika et al (2018) stated Financing to Deposit Ratio (FDR) has a significant negative effect on Non Performing Financing (NPF). Meanwhile, Firmansari & Suprayogi (2015), Asnaini (2014), Yasin & Widiastuti (2014) and Havidz & Setiawan (2015)the determi-nants of banks efficiency and non-performing financing (NPF stated Financing to Deposit Ratio (FDR) has no significant effect on Non Performing Financing (NPF).…”

Section: Introductionmentioning

confidence: 99%

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Factors Affecting Non-Performing Financing at Islamic Commercial Banks in Indonesia

Retnowati

Jayanto

2020

aaj

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This study aims to determine the effect of Inflation, Gross Domestic Product (GDP), Operational Income Operating Cost (BOPO), Financing to Deposit Ratio (FDR) and Capital Adequacy Ratio (CAR) to Non Performing Financing (NPF). The population in this study were 13 Islamic Commercial Bank in Indonesia in year 2012-2015. The sample selection used purposive sampling technique which resulted in 9 banks and the analysis units were 36. Data collection method used in this research was documentation. Data analysis method used was Structural Equation Modeling (SEM) with Partial Least Square (PLS) with SmartPLS 3.0 analysis tool. The results show that the inflation, GDP, and FDR variables do not significantly influence NPF. BOPO variable has a positive and significant influence to NPF. CAR variable has a negative and significant influence to NPF. The conclusion shows that the inflation, GDP, and FDR variables do not significantly influence NPF. Variables of BOPO and CAR have significant influence to NPF.

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Section: Introductionsupporting

confidence: 89%

Section: Introductionmentioning

confidence: 99%

Factors Affecting Non-Performing Financing at Islamic Commercial Banks in Indonesia

Retnowati

Jayanto

2020

aaj

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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: 67%

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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“…However, Ramanesty (2016); Škarica (2013) stated that an increasing GDP would decrease the NPF value. Haifa and Wibowo (2015) noted that inflation significantly affects NPF and is harmful to long-term calculations. However, inflation does not have a substantial impact on NPF in the short term.…”

Section: Ikramina Sukmaningrummentioning

confidence: 99%

“…Meanwhile, Ghosh (2015) stated that an increase in inflation would increase the NPL because income that does not increase and inflation will reduce the funds available to pay for loans. Not only inflation but Haifa and Wibowo (2015) stated that the exchange rate has a positive effect on NPF. It means that the exchange rate crisis is a proxy for monetary policy, making the company's ability worse by weakening its balance sheet, thereby reducing future investment.…”

Section: Ikramina Sukmaningrummentioning

confidence: 99%

Macroeconomic Factors on Non-Performing Financing in Indonesian Islamic Bank: Error Correction Model Approach

Ikramina

Sukmaningrum

2021

JEBIS

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Non-performing Financing (NPF) is a ratio to measure the non-performing finance level in Islamic banks and one indicator of Islamic banking's health. The higher NPF indicates the quality of the bank's financing was terrible. This study aims to determine several macroeconomic factors on the NPF ratio in Islamic commercial banks in Indonesia. This study applies Error Correction Model (ECM) with saturated sample methods. Sources of data from the official websites of the Financial Authority Services (OJK), Bank Indonesia (BI), and Indonesia Statistics Bureau (BPS). The sample used was Islamic commercial banks in all periods starting from January 2014 to February 2020 published in Islamic banking statistics. There are 74 Islamic commercial banks as observations. The results of this study are pretty surprising. In the short term, macroeconomic variables influence the NPF ratio in Islamic banks, while only inflation affects the NPF for a long time. The government needs to be more able to control when giving policies to increase inflation due to the impact of problematic Financing in Islamic banking. If it occurs continuously, the bank will threaten with bankruptcy. For the Islamic banking industry, we hoped that it could be wiser in placing the liquidity owned, especially when it comes to giving the financing, must carefully look at the customer's portfolio. This study provides comprehensive information on the macroeconomic impact on non-performing financing, specifically on Islamic banks in Indonesia.

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Pengaruh Faktor Internal Bank Dan Makro Ekonomi Terhadap Non Performing Financing Perbankan Syariah Di Indonesia: Periode 2010:01 – 2014:04

Cited by 8 publications

References 0 publications

Factors Affecting Non-Performing Financing at Islamic Commercial Banks in Indonesia

Factors Affecting Non-Performing Financing at Islamic Commercial Banks in Indonesia

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

Macroeconomic Factors on Non-Performing Financing in Indonesian Islamic Bank: Error Correction Model Approach

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