Pengaruh Kinerja Keuangan Dan Kondisi Makroekonomi Terhadap Pembiayaan Bermasalah BPR Syariah Di Indonesia

Fatoni, Ahmad; Utami, Kurnia Dwi Sari

doi:10.21043/equilibrium.v7i2.5900

Cited by 3 publications

(5 citation statements)

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“…When a bank disburses large amounts of financing, it certainly does not involve large risks. This is reinforced by research results (Haifa & Wibowo, 2015) and (Fatoni & Utami, 2019), stating that the Financing to Deposit Ratio (FDR) has a positive and significant effect on Non-Performing Financing (NPF). So the hypothesis in this research is: H4: Financing to Deposit Ratio (FDR) has a positive effect on Non-Performing Financing (NPF)…”

Section: Financing To Deposit Ratio (Fdr)mentioning

confidence: 93%

Effect of Inflation, Exchange Rate, Implementation of Good Corporate Governance (GCG), and Financing to Deposit Ratio (FDR) on Sharia Commercial Bank Financing Risks in Indonesia 2019-2022

Orsita Asmu Putri,

Putri

2023

JUEBIR

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The large number of products offered by banks, especially financing,causes greater potential risks that will occur which can be influencedby various factors. Therefore, the aim of this research is to determinethe influence of Inflation, Exchange Rates, Implementation of GoodCorporate Governance (GCG), and Financing to Deposit Ratio (FDR) ininfluencing Financing Risk as proxied by Non-Performing Financing(NPF) in Commercial Banks Sharia in Indonesia 2019-2022. The dataused in the research is secondary data, namely annual financialreports and Good Corporate Governance (GCG) reports for 2019-2022. The population of this research is Islamic commercial banks inIndonesia with a sampling technique, namely purposive sampling. Theregression analysis method used is panel data using Eviews 10. Theresearch results show simultaneously that Inflation, Exchange Rates,Good Corporate Governance (GCG) have a significant effect on Non-Performing Financing (NPF). However, partially it shows that (1)Inflation, Exchange Rates, and Financing to Deposit Ratio (FDR) haveno effect on Non-Performing Financing (NPF), (2) Good CorporateGovernance (GCG) has a significant positive effect on Non-PerformingFinancing (NPF).

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Section: Financing To Deposit Ratio (Fdr)mentioning

confidence: 93%

Effect of Inflation, Exchange Rate, Implementation of Good Corporate Governance (GCG), and Financing to Deposit Ratio (FDR) on Sharia Commercial Bank Financing Risks in Indonesia 2019-2022

Orsita Asmu Putri,

Putri

2023

JUEBIR

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“…Conversely, the lower the return on assets, the lower the amount of profit generated. According to research conducted by Fatoni and Utami (2019), and Nawaz and Haniffa (2017), the ROA variable has no significant effect on NPF in Islamic banks.…”

Section: Relationship Between Financing To Deposit Ratio (Fdr) and Non-performing Financing (Npf)mentioning

confidence: 99%

“…Conversely, the smaller the BOPO ratio means the more efficient the bank's operational performance in carrying out its daily operations so that the probability of a bank in difficult conditions will be smaller. Research conducted by Angraini et al (2020), Auliani and Syaichu (2016), Fatoni and Utami (2019), Rahman and Fatmawati (2020), Santosa et al (2014), and Wibowo and Saputra (2017) states that BOPO has a positive effect on non-performing financing in banks.…”

Section: Relationship Between Financing To Deposit Ratio (Fdr) and Non-performing Financing (Npf)mentioning

confidence: 99%

“…A high equivalence rate will reduce customer interest in applying for financing. This will burden the debtor when paying the equivalent rate and the principal of the financing, thereby reducing the financing risk (Fatoni & Utami, 2019;Nawaz & Haniffa, 2017;Nugrohowati & Bimo, 2019). Research conducted by Hernawati and Puspasari (2018), and Naibaho and Rahayu (2018) concludes that the BI rate has a positive and significant effect on non-performing financing.…”

Section: Relationship Between Financing To Deposit Ratio (Fdr) and Non-performing Financing (Npf)mentioning

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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“…Ketika pembiayaan akan mengalami resiko kurang lancer atau macet bank yang memiliki CAR tinggi dapat meminimalisir risiko pembiayaan. Peneltian ini sejalan dengan (Fatoni & Utami, 2019;L. Isnaini et al, 2021) dan (Wulandari Kuswahariani, Hermanto Siregar, 2020) yang mengatak bahwa CAR pengaruh negatif dan signifikan terhadap NPF pada BUS di Indonesia.…”

Section: Homologi Ser Moderasiunclassified

Pengujian moderasi inflasi pada pengaruh profitability, financing to deposit dan capital adequacy ratio terhadap risiko pembiayaan

Iswandi

Ruhadi

Setiawan

2022

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This study aims to determine the effect of micro variables (ROA, FDR, and CAR) as well as the total variable in the form of inflation as a moderating variable on NPF in Indonesian Islamic commercial banks for the 2016-2020 period. The data analysis method used is explanatory and is a research that uses the type of assessment of causality between the variables studied (causal relationship). The theory used is agency theory. With regard to the relationship between the principal and the agent, the agent appointed by the principal or appointed to manage the services of the company's activities must be in good health. The result to be achieved is that the inflation variable is able to become a moderating variable for certain factors on non-performing financing (NPF) in Islamic commercial banks in Indonesia. The results of the analysis show that directly Capital Adequacy Ratio (ROA) and Capital Adequacy Ratio (CAR) have a significant negative effect on Non Performing Financing (NPF) while Financing to Deposit Ratio (FDR) has no effect on financing (NPF). In addition, the Capital Adequacy Ratio (ROA) also has an indirect effect on Non Performing Financing (NPF) and Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR) does not moderate the Non Performing Financing (NPF).

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Pengaruh Kinerja Keuangan Dan Kondisi Makroekonomi Terhadap Pembiayaan Bermasalah BPR Syariah Di Indonesia

Cited by 3 publications

References 0 publications

Effect of Inflation, Exchange Rate, Implementation of Good Corporate Governance (GCG), and Financing to Deposit Ratio (FDR) on Sharia Commercial Bank Financing Risks in Indonesia 2019-2022

Effect of Inflation, Exchange Rate, Implementation of Good Corporate Governance (GCG), and Financing to Deposit Ratio (FDR) on Sharia Commercial Bank Financing Risks in Indonesia 2019-2022

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

Pengujian moderasi inflasi pada pengaruh profitability, financing to deposit dan capital adequacy ratio terhadap risiko pembiayaan

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