Faktor Yang Mempengaruhi Non Performing Financing Perbankan Syariah di Indonesia
DOI:
https://doi.org/10.59580/iesbir.v3i1.7025Abstract
Abstract
Non-performing loans (NPF) are one of the main problems in the Islamic banking sector in Indonesia. The purpose of this study is to identify the factors that influence NPF in the Islamic banking sector in Indonesia. The research method used is a quantitative research approach using secondary data, namely data taken from various trusted sources because the secondary data used comes from the Central Statistics Agency (BPS), books, the internet, economic magazines and other sources. The data found shows that the main factors affecting NPF in the Indonesian Islamic banking sector are bad credit, exchange rate factors, economic growth factors and interest rates. The results showed that the data of this study were processed using the eviews 12 program, the use of this program aims to estimate the parameters of the variables to be observed from the experimental model that has been determined. The variables tested in this study include NPF, exchange rates, economic growth and benchmark interest rates.
Keywords: non-performing financing, exchange rate factors, economic growth factors, interest rates
Abstrak
Pinjaman bermasalah (NPF) merupakan salah satu permasalahan utama pada sektor perbankan syariah di Indonesia. Tujuan penelitian ini adalah untuk mengidentifikasi faktor-faktor yang mempengaruhi NPF pada sektor perbankan syariah di Indonesia. Metode penelitian yang digunakan adalah pendekatan penelitian kuantitatif dengan menggunakan data sekunder, yaitu data diambil dari berbagai sumber terpercaya karena data sekunder yang digunakan berasal dari Badan Pusat Statistik (BPS), buku, internet, majalah ekonomi dan lain-lain. sumber. Data yang ditemukan menunjukkan bahwa faktor utama yang mempengaruhi NPF pada sektor perbankan syariah Indonesia adalah kredit macet, faktor nilai tukar, faktor pertumbuhan ekonomi dan suku bunga. Hasil penelitian menunjukkan bahwa data penelitian ini diolah dengan menggunakan program eviews 12, penggunaan program ini bertujuan untuk memperkirakan parameter variabel yang akan diamati dari model eksperimen yang telah ditetapkan. Variabel yang diuji dalam penelitian ini antara lain NPF, nilai tukar, pertumbuhan ekonomi dan suku bunga acuan.
Kata kunci: pinjaman bermasalah, faktor nilai tukar, faktor pertumbuhan ekonomi, tingkat suku bunga.
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Copyright (c) 2024 Izam zamali, Jumanda Astary, Mamuji Mamuji, Nabila Karima Karima, Misbahul Munir
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