Selly Yulianti
Program Studi D4 Keuangan Syariah, Politeknik Negeri Bandung

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Pengaruh Faktor Internal dan Eksternal terhadap Non-Performing Financing Bank Umum Syariah di Indonesia Selly Yulianti; Tjetjep Djuwarsa; Setiawan Setiawan
Journal of Applied Islamic Economics and Finance Vol 2 No 2 (2022): Journal of Applied Islamic Economics and Finance (February 2022)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (282.055 KB) | DOI: 10.35313/jaief.v2i2.2962

Abstract

The increase in NPF needs serious attention to avoid a fatal impact. The target of this research is to investigate the impact of internal and external determinants on Non Performing Financing at Sharia Commercial Banks in Indonesia during the period of 2015-2019. The sample in this study covers nine Islamic Commercial Banks utilizing quarterly information from 2015-2019. This research used panel data regression analysis with Random Effect Model. The output of this research shows that the Financing to Deposit Ratio, GDP growth, and BI Rate have a positive and significant effect to NPF while the Capital Adequacy Ratio has a negative effect on NPF. Simultaneously, all dependent variables have a significant effect on the NPF.