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All Journal Journal Markcount Finance
Aliman Syahuri Zein
Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan
Economics, Econometrics & Finance

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Factors Influencing Non-Performing Financing (NPF) In Sharia Banking Ali Hardana; Aliman Syahuri Zein; Anne Johanna; Buschhaus Avinash
Journal Markcount Finance Vol. 1 No. 2 (2023)
Publisher : Yayasan Pedidikan Islam Daarut Thufulah

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (310.387 KB) | DOI: 10.55849/jmf.v1i2.87

Abstract

The risk of financing is the risk caused by the failure of the custom[1]ers to fulfill their obligations. Non-performing financing (NPF) is a representation of financing risk that is channeled and has a direct impact on bank profitability. The value of NPF tends to increase annually with a value that is already close to the maximum limit set by Bank Indonesia of 5 percent. This condition is able to lead to the inefficiency of the banking system and in the long run, will have an impact on the sustainability of the bank. Therefore, the analysis of NPF factors should be conducted as a preventive mea[1]sure and a risks controller of business activities. This research an[1]alyzes the factors influencing NPF at sharia banking (BUS) using a quarterly datafrom first quarter of 2012 until third quarter 2016. Method used in this research is panel data analysis. The result of analysis shows that the factors influencing NPF negatively and sig[1]nificantly are ratio of revenue sharing financing (RR), Return on ssets (ROA), inflation, Capital Adequacy Ratio (CAR) and Bank[1]size while Gross Domestic Product (GDP) and Operating Cost to Operating Income (BOPO) have a significant positive effect.
Co-Authors Anne Johanna Buschhaus Avinash