INFLASI, GROSS DOMESCTIC PRODUCT (GDP), CAPITAL ADEQUACY RATIO (CAR), DAN FINANCE TO DEPOSIT RATIO (FDR) TERHADAP NON PERFORMING FINANCING (NPF) PADA BANK UMUM SYARIAH DI INDONESIA
When bank distributes its finance, the bank will always face credit risk. Credit risks arise if the bank could not get back from the principal of the loan installment that it provided. In this case, the level of problem loans can be demonstrated by the ratio of Non Performing Financing (NPF) in Isla...
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| Format: | Article |
| Language: | Indonesian |
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Fakultas Ekonomi dan Bisnis Islam
2016-12-01
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| Series: | I-Economics: A Research Journal on Islamic Economics |
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| Online Access: | https://jurnal.radenfatah.ac.id/index.php/ieconomics/article/view/1021 |
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| author | DINNUL ALFIAN AKBAR |
| author_facet | DINNUL ALFIAN AKBAR |
| author_sort | DINNUL ALFIAN AKBAR |
| collection | DOAJ |
| description | When bank distributes its finance, the bank will always face credit risk. Credit risks arise if the bank could not get back from the principal of the loan installment that it provided. In this case, the level of problem loans can be demonstrated by the ratio of Non Performing Financing (NPF) in Islamic banks. The lower the NPF ratio, the better the condition of the bank, because the level of problematic financing is low.
This study aimed to find out how the effect of inflation, Gross Domestic Product (GDP), Capital Adequacy Ratio (CAR), and Finance to Deposit Ratio (FDR) against Non Performing Financing (NPF) on Islamic Banks in Indonesia in the study period, from 2010 until 2014. the population used in this study were 12 Islamic banks registered in Indonesian banks by taking five samples of Islamic banks. The sampling method is using purposive sampling method. To explain the influence of these variables, the data obtained in this study were analyzed by using multiple linear regression model.
The results of research by t test showed that the variables Gross Domesctic Product (GDP), Capital Adequacy Ratio (CAR), and Finance to Deposit Ratio (FDR) effect on Non Performing Financing (NPF), while variable which does not affect the Non Performing Financing (NPF) is inflation. Four variables influence simultaneously against Non Performing Financing (NPF).
Kata kunci: Inflasi, Gross Domestic Product (GDP), Capital Adequacy Ratio (CAR), Finance to Deposit Ratio (FDR), dan Non Performing Financing (NPF) |
| format | Article |
| id | doaj-art-2cfd545291f64958880bebe16b75757b |
| institution | Kabale University |
| issn | 2548-5601 2548-561X |
| language | Indonesian |
| publishDate | 2016-12-01 |
| publisher | Fakultas Ekonomi dan Bisnis Islam |
| record_format | Article |
| series | I-Economics: A Research Journal on Islamic Economics |
| spelling | doaj-art-2cfd545291f64958880bebe16b75757b2025-08-20T04:02:13ZindFakultas Ekonomi dan Bisnis IslamI-Economics: A Research Journal on Islamic Economics2548-56012548-561X2016-12-01221937838INFLASI, GROSS DOMESCTIC PRODUCT (GDP), CAPITAL ADEQUACY RATIO (CAR), DAN FINANCE TO DEPOSIT RATIO (FDR) TERHADAP NON PERFORMING FINANCING (NPF) PADA BANK UMUM SYARIAH DI INDONESIADINNUL ALFIAN AKBARWhen bank distributes its finance, the bank will always face credit risk. Credit risks arise if the bank could not get back from the principal of the loan installment that it provided. In this case, the level of problem loans can be demonstrated by the ratio of Non Performing Financing (NPF) in Islamic banks. The lower the NPF ratio, the better the condition of the bank, because the level of problematic financing is low. This study aimed to find out how the effect of inflation, Gross Domestic Product (GDP), Capital Adequacy Ratio (CAR), and Finance to Deposit Ratio (FDR) against Non Performing Financing (NPF) on Islamic Banks in Indonesia in the study period, from 2010 until 2014. the population used in this study were 12 Islamic banks registered in Indonesian banks by taking five samples of Islamic banks. The sampling method is using purposive sampling method. To explain the influence of these variables, the data obtained in this study were analyzed by using multiple linear regression model. The results of research by t test showed that the variables Gross Domesctic Product (GDP), Capital Adequacy Ratio (CAR), and Finance to Deposit Ratio (FDR) effect on Non Performing Financing (NPF), while variable which does not affect the Non Performing Financing (NPF) is inflation. Four variables influence simultaneously against Non Performing Financing (NPF). Kata kunci: Inflasi, Gross Domestic Product (GDP), Capital Adequacy Ratio (CAR), Finance to Deposit Ratio (FDR), dan Non Performing Financing (NPF)https://jurnal.radenfatah.ac.id/index.php/ieconomics/article/view/1021economicekonomifinanceinflasigross domestic product (gdp)capital adequacy ratio (car)finance to deposit ratio (fdr)dan non performing financing (npf) |
| spellingShingle | DINNUL ALFIAN AKBAR INFLASI, GROSS DOMESCTIC PRODUCT (GDP), CAPITAL ADEQUACY RATIO (CAR), DAN FINANCE TO DEPOSIT RATIO (FDR) TERHADAP NON PERFORMING FINANCING (NPF) PADA BANK UMUM SYARIAH DI INDONESIA I-Economics: A Research Journal on Islamic Economics economic ekonomi finance inflasi gross domestic product (gdp) capital adequacy ratio (car) finance to deposit ratio (fdr) dan non performing financing (npf) |
| title | INFLASI, GROSS DOMESCTIC PRODUCT (GDP), CAPITAL ADEQUACY RATIO (CAR), DAN FINANCE TO DEPOSIT RATIO (FDR) TERHADAP NON PERFORMING FINANCING (NPF) PADA BANK UMUM SYARIAH DI INDONESIA |
| title_full | INFLASI, GROSS DOMESCTIC PRODUCT (GDP), CAPITAL ADEQUACY RATIO (CAR), DAN FINANCE TO DEPOSIT RATIO (FDR) TERHADAP NON PERFORMING FINANCING (NPF) PADA BANK UMUM SYARIAH DI INDONESIA |
| title_fullStr | INFLASI, GROSS DOMESCTIC PRODUCT (GDP), CAPITAL ADEQUACY RATIO (CAR), DAN FINANCE TO DEPOSIT RATIO (FDR) TERHADAP NON PERFORMING FINANCING (NPF) PADA BANK UMUM SYARIAH DI INDONESIA |
| title_full_unstemmed | INFLASI, GROSS DOMESCTIC PRODUCT (GDP), CAPITAL ADEQUACY RATIO (CAR), DAN FINANCE TO DEPOSIT RATIO (FDR) TERHADAP NON PERFORMING FINANCING (NPF) PADA BANK UMUM SYARIAH DI INDONESIA |
| title_short | INFLASI, GROSS DOMESCTIC PRODUCT (GDP), CAPITAL ADEQUACY RATIO (CAR), DAN FINANCE TO DEPOSIT RATIO (FDR) TERHADAP NON PERFORMING FINANCING (NPF) PADA BANK UMUM SYARIAH DI INDONESIA |
| title_sort | inflasi gross domesctic product gdp capital adequacy ratio car dan finance to deposit ratio fdr terhadap non performing financing npf pada bank umum syariah di indonesia |
| topic | economic ekonomi finance inflasi gross domestic product (gdp) capital adequacy ratio (car) finance to deposit ratio (fdr) dan non performing financing (npf) |
| url | https://jurnal.radenfatah.ac.id/index.php/ieconomics/article/view/1021 |
| work_keys_str_mv | AT dinnulalfianakbar inflasigrossdomescticproductgdpcapitaladequacyratiocardanfinancetodepositratiofdrterhadapnonperformingfinancingnpfpadabankumumsyariahdiindonesia |