Claim Missing Document
Check
Articles

Found 2 Documents
Search
Journal : IKONOMIKA

What Drives Non Performing Financing? Evidence from Islamic Rural Banks in Indonesia During Covid-19 Rifadli D Kadir; Sri Langgeng Ratnasari; Muhamad Abduh Abduh
IKONOMIKA Vol 6, No 2 (2021)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (56.179 KB) | DOI: 10.24042/febi.v6i2.10757

Abstract

This study aims to investigate the factors that influence non-performing financing (NPF) at Islamic rural banks (BPR) in Indonesia during the Covid-19 pandemic. The data used in this study was taken during the COVID-19 pandemic, namely in 2020. This study uses a data panel consisting of 128 Sharia BPRs throughout Indonesia. The analysis used is panel data analysis by choosing the best model between common effect (CE), fixed effect (FE), and random effect (FE). Data analysis was also carried out on: (1) large and small Sharia BPRs; (2) BPR located on the island of Java and outside the island of Java. The results found that the variable that had a strong influence on NPF during the covid-19 pandemic was economic growth as proxied by Gross Regional Domestic Product (GRDP). Bank size shows a negative and significant effect. FDR shows a positive and significant effect.  Operational efficiency ratio (OER/BOPO) has a positive but not significant effect. Based on these results, it is necessary to mitigate financial problems, especially changes in macroeconomic conditions such as economic growth. This study also shows that there are differences in the variables that affect the size of small and large banks, as well as those in Java and those outside Java. This result can be a reference for Sharia BPR in mitigating financing risk.
What Drives Non Performing Financing? Evidence from Islamic Rural Banks in Indonesia During Covid-19 Rifadli D Kadir; Sri Langgeng Ratnasari; Muhamad Abduh Abduh
IKONOMIKA Vol 6, No 2 (2021)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v6i2.10757

Abstract

This study aims to investigate the factors that influence non-performing financing (NPF) at Islamic rural banks (BPR) in Indonesia during the Covid-19 pandemic. The data used in this study was taken during the COVID-19 pandemic, namely in 2020. This study uses a data panel consisting of 128 Sharia BPRs throughout Indonesia. The analysis used is panel data analysis by choosing the best model between common effect (CE), fixed effect (FE), and random effect (FE). Data analysis was also carried out on: (1) large and small Sharia BPRs; (2) BPR located on the island of Java and outside the island of Java. The results found that the variable that had a strong influence on NPF during the covid-19 pandemic was economic growth as proxied by Gross Regional Domestic Product (GRDP). Bank size shows a negative and significant effect. FDR shows a positive and significant effect.  Operational efficiency ratio (OER/BOPO) has a positive but not significant effect. Based on these results, it is necessary to mitigate financial problems, especially changes in macroeconomic conditions such as economic growth. This study also shows that there are differences in the variables that affect the size of small and large banks, as well as those in Java and those outside Java. This result can be a reference for Sharia BPR in mitigating financing risk.
Co-Authors Adelia Widya Pramesti Adi Irawan Agustina Amalia Rakhman Ahmad Zulva Adi Aisyah Khairani Pasaribu Alivhia Thiyarara, Okhe Anggia Sekar Putri Ardhani, Jayanti ariyati, Yannik Asiah Asiah Asih Tanzila Assani Assani Aufa Ulinnuha Aulia Putri Basuki , Berta Saulina L Buulolo, Akui Chablullah Wibisono Ciptono Ciptono Deni Maisaf Putri Desi Ulfah Desrison, Desrison Dewi Yana Dhenny Asmarazisa Azis Dian Arianto Dickvan Siregar Diesha Zubaida Sabda Nabila Dina Riskha Ariani Dini Anggraini Dini Riskhi Ariani Dwi Irawati Dwi Septi Haryani Eduard Ricardo Hasudungan Sinaga Eko Murtisaputra Elida Putri Sinaga Elida Putri Sinaga Endiet Jaloe Prasetiyo Endri Sanopaka Erni Sukmawati Ervin Nora Susanti Ervin Nora Susanti Ervin Nora Susanti Esther Endang Dwi Lestari Etty Puji Lestari Fanny Nugrahani Fanny Nugrahani Fatia Fatimah Fauzan, Rizky Ferizone Ferizone Ferry M Manalu Gandhi Sucahyo Gandhi Sutjahjo Gun Gun Gumilar Gunadi Gunadi Hadi, moch aminudin Heffi Christya Rahayu Herni Widiyah Nasrul Herni Widiyah Nasrul Herni Widyah Nasrul Imilda Arisa Oktarina Indra Ruyani Johnmaianto Sihombing Kepi Kusumayanti L, Berta Saulina Lestari, Esther Endang Dwi Letsoin, Vinca Regina Linayati Lestari, Linayati Lisvoni Saragih Lisvoni Saragih Lukmanul Hakim Lukmanul Hakim Maharani Sima Martinus Buulolo Maya Masita Maya Masita Br Girsang Mira Yona Moch Aminudin Hadi Moch Aminudin Hadi Muhamad Abduh Muhamad Abduh Abduh Muhammad Halim Muhammad Nahruddin Apriandika Mutia Septiani Nadia Rahmawati Nasrul, Herni Widiyah Noviyanti Rianti Putri Nurhayati Nurhayati Nurul Aviani Panji Hadiana Prasetiyo, Endiet Jaloe Prasetiyo, Endiet Jaloe Puji Rahayu Suryadinata Purba, winner Clinton Putri Lia Minarti Nasution Rafi Alamin Rahmad Riyandi Rahmi Widyanti Rahmi Widyanti Rahmiyana Rahmiyana Ramadania Ramadania, Ramadania Ramon Zamora Ratri Dwiningtyas Malik Redy Tri Saputra Refna Wahyu Nurcahyani Rejeki Bangun Reni Angriani Renny Waty Rifadli D Kadir Ririn Agustriani Rona Tanjung Safitri, Debby Endayani Selvi Fauzar Seprini Seprini SEPTI WULANDARI Septi Wulandari Septiani, Mutia Shariyani Shariyani Siti Aidah, Siti Siti Aisyah Siti Solehah, Siti Sitompul, Mey Krisselni Subandi Subandi Sumarwinati, Sri Supardi Supardi T Munzir T. Munzir T. Munzir Tanjung, Rona tanjung, rona Tanzila, Asih Taufik Ismail Sitompul Tibrani Tibrani Titik Rosnani tri anisah Tri Maradalena Wahyu Adrianto Wanda Novita Sari Wicaksono, Bayu Dimas Widi S. Ashari Ashari Widodo Ismanto Widodo Ismanto Widyo Winarso Widyo Winarso Yandra Rivaldo Yenni Hartati Yentina Siregar Yulfita Aini Yuli Susilowati Yundari, Yundari Zulkifli Zulkifli Zulkifli Zulkifli