Pengaruh Instabilitas Makroekonomi Terhadap  Non-Performing Financing Perbankan Syariah di Indonesia

Mahdi, Fadilla Muhammad

doi:10.22219/jes.v4i2.11190

Cited by 7 publications

(17 citation statements)

References 6 publications

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“…When economic conditions improve, or there is an increase in GDP growth, the NPF level is expected to decrease due to an improvement in the debtor's ability to pay for its financing (Mahdi, 2019). By looking at the size of GDP in a country, it can be seen that how goods or services are produced by a country.…”

Section: Distribution Of Fundmentioning

confidence: 99%

“…External factors come from customers, natural disasters, wars, change in economic, trade conditions, technological changes, and government policies. The emergence of the company's financial difficulties was caused by several factors, such as weakness in purchasing and selling policy, supervision of costs and expenses, inappropriate accounts receivable policy, excessive placement of fixed assets, and insufficient capital (Hosen & Muhari, 2019;Mahdi, 2019;Rahmah & Armina, 2020;Yulianto & Solikhah, 2015).…”

Section: Hypothesis Developmentmentioning

confidence: 99%

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A spatial analysis of non-performance financing determinants in Islamic banks in Indonesia

Suprayitno

Hardiani

2021

JEKI

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Purpose -This study aims to analyze the non-performance financing determinant of Islamic Banking (IB) in Indonesia through spatial analysis. These determinants consist of macroeconomic and microeconomic variables Methodology -Samples in this research were selected using the purposive sampling technique with the criteria of Islamic banks registered in the Financial Services Authority (OJK) that released quarterly data reports and financial reports during 2015-2020. There are 7 Islamic banks that met the criteria.Findings -Results showed that the ROA, Inflation, GDP, and BI Rate simultaneously affected the NPF level, while FDR and CAR do not affect the NPF level of Islamic commercial banks. Meanwhile, partially FDR, BOPO, CAR, ROA, Inflation, GDP, and BI Rate affect the NPF level. In addition, the spatial analysis showed that based on the global distribution, there is a significant spatial effect through the geographical location between one bank and other.Originality -This research provides empirical data related to the determinants of non-performing financing, using the spatial analysis approach. Moreover, this research also uses the most updated data, Islamic and conventional banks during 2015-2020Research limitations -Related to the samples of Islamic banks, this research only investigates those registered in OJK, not all Islamic banks in Indonesia.

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Section: Distribution Of Fundmentioning

confidence: 99%

Section: Hypothesis Developmentmentioning

confidence: 99%

A spatial analysis of non-performance financing determinants in Islamic banks in Indonesia

Suprayitno

Hardiani

2021

JEKI

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“…Hal ini berarti hipotesis dalam penelitian untuk H02 ditolak. Perolehan hasil penelitian mengenai tidak adanya pengaruh PDB terhadap NPF, sejalan dengan penelitian yang dilakukan oleh Alif dan Hendratno (2019); Mahdi (2019). Adanya peningkatan maupun turunnya perolehan PDB, tidak memberikan pengaruh akan kenaikan maupun penurunan nilai NPF Bank Umum Syariah (Alif dan Hendratno, 2019).…”

Section: Uji Hipotesisunclassified

“…Maka dari itu, hipotesis penelitian yang tekah diajukan yaitu H03 ditolak. Hasil dari penelitian ini sejalan dengan hasil penelitian oleh Lin et al (2016); Mahdi (2019). Operasional dalam Perbankan Syariah yang tidak menerapkan suku bunga, memang tidak akan terpengaruh dengan kondisi BI Rate.…”

Section: Uji Hipotesisunclassified

“…yang berbeda tentang pengaruh inflasi terhadap NPF. Hasil penelitian olehSoekapdjo et al, (2018),Wiryono dan Effendi (2018) danMahdi (2019), mengungkapkan bahwa inflasi mempunyai pengaruh signifikan terhadap NPF. Sedangkan di sisi lain, berdasarkan hasil penelitian olehAkbar (2016),Lin et al (2016), Kelima bank tersebut antara lain, PT Bank BRIsyariah, Tbk., PT Bank Tabungan Pensiunan Nasional Syariah, Tbk., PT Bank Panin Dubai Syariah, Tbk., PT Bank Syariah Mandiri, dan PT Bank BNI Syariah.Penelitian ini menggunakan data sekunder.…”

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Pengaruh Kondisi Makroekonomi Terhadap Risk Profile Pada Bank Umum Syariah di Indonesia

Biasmara

Iradianty

2021

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Keadaan perekonomian yang dinamis dan beberapa kali mengalami krisis baik global maupun nasional, merupakan hal yang perlu diperhatikan oleh industri perbankan dalam menjaga stabilitas kesehatan bank terlebih lagi dari sisi risiko pembiayaan bermasalah. Bank Umum Syariah yang hadir dengan operasional berdasarkan prinsip Islam, juga perlu untuk memperhatikan permasalahan tersebut. Penelitian ini bertujuan untuk mengetahui pengaruh variabel makroekonomi yang terdiri dari inflasi, Produk Domestik Bruto, BI Rate, dan nilai tukar Rupiah secara parsial dan simultan terhadap Risk Profile yang diproksikan dengan Non Performing Financing (NPF). Sampel yang digunakan dalam penelitian ini adalah Bank Umum Syariah di Indonesia yang terdaftar di Bursa Efek Indonesia (BEI), atau Bank Umum Syariah sebagai anak perusahaan dari Bank Badan Usaha Milik Negara, maupun bagian dari keduanya. Dimana data yang digunakan adalah data tahunan dari tahun 2015-2019. Begitu pula dengan data variabel makroekonomi yang digunakan dari tahun 2015-2019. Data diolah dan dianalisis menggunakan Regresi Linier Data Panel melalui aplikasi Eviews 11. Seluruh variabel independen (inflasi, PDB, BI Rate, dan nilai tukar Rupiah) secara parsial tidak berpengaruh signifikan terhadap Non Performing Financing (NPF). Begitu pula secara simultan, keduanya tidak berpengaruh terhadap Non Performing Financing (NPF). Hal ini menunjukkan bahwa Perbankan Syariah lebih stabil dalam berbagai keadaan ekonomi. Penelitian ini dapat digunakan untuk mengakselerasi sektor perbankan, seperti meningkatkan kesehatan bank dan mengantisipasi ketidakpastian perekonomian. Bagi investor, bisa menjadi pertimbangan dalam menginvestasikan dananya. Lalu bagi pemerintah, akan sangat berarti jika dapat memperkuat Perbankan Syariah di Indonesia. Kata Kunci: Inflasi, Produk Domestik Bruto, BI Rate, Nilai Tukar Rupiah, Non Performing Financing

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Empirical Determinants of Saving in Islamic Banks at Tasikmalaya City

Fathurrahman

Zulfikar

2020

JES

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This study aims to analyze several factors that influence public interest in saving in Islamic banks in the City of Tasikmalaya. These factors are location, knowledge, facilities, and promotions. This study uses primary data by giving questionnaires to the people of Tasikmalaya City, with a total sample 100 respondents. The method used was Multiple Linear Regression. Based on the analysis that has been done. The results found that the variable of location, knowledge, and promotion have a significant and positive effect on the community’s interest of saving in Islamic banks at Tasikmalaya, but the facility variable have not significant effect on the community’s interest in saving.

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Pengaruh Instabilitas Makroekonomi Terhadap Non-Performing Financing Perbankan Syariah di Indonesia

Cited by 7 publications

References 6 publications

A spatial analysis of non-performance financing determinants in Islamic banks in Indonesia

A spatial analysis of non-performance financing determinants in Islamic banks in Indonesia

Pengaruh Kondisi Makroekonomi Terhadap Risk Profile Pada Bank Umum Syariah di Indonesia

Empirical Determinants of Saving in Islamic Banks at Tasikmalaya City

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