Jurnal Samudra Ekonomi dan Bisnis
Vol 13 No 2 (2022)

The Effect of Internal and External Factors on Non-Performing Financing at Islamic Commercial Banks in Indonesia

Muhammad Nasir (Politeknik Negeri Lhokseumawe)
M. Yazid AR (Politeknik Negeri Lhokseumawe)
Mustika Amri (Politeknik Negeri Lhokseumawe)
Cut Fitri Handayani (Politeknik Negeri Lhokseumawe)
Aryati Aryati (Politeknik Negeri Lhokseumawe)

Article Info

Publish Date
30 Jul 2022

Abstract

The purpose of this study was to determine the effect of internal and external factors on non-performing financing in Islamic commercial banks and Islamic business units in Indonesia. Data is collected from publications of Bank Indonesia, the Central Statistics Agency, and the Financial Services Authority. Samples were taken from January 2010 to December 2017. Data were analyzed using Fisher’s exact test, Student's t-test, and multiple linear regression analysis. The results identify that Finance to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), inflation, and BI rate have a significant effect on non-performing financing. Based on the results, this study recommends that Islamic commercial banks and Islamic business units need to stabilize their financial ratios.

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Journal Info
Jurnal Samudra Ekonomi dan Bisnis
Website

Abbrev

jseb

Publisher

Universitas Samudra

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Description

FOCUS Jurnal Samudra Ekonomi dan Bisnis (JSEB) focused on economics, business and management studies and present developments through the publication of research articles, research report, and book reviews. Languages used in this journal are Indonesia and English. SCOPE Jurnal Samudra Ekonomi ...