Pengaruh Variabel Makroekonomi Dan Variabel Spesifik Bank Terhadap Non Performing Financing Pada Bank Umum Syariah Di Indonesia Periode Tahun 2013-2017
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Institusion
Universitas Islam Riau
Author
Kelana, Bayu
Subject
HD28 Management. Industrial Management
Datestamp
2022-02-23 10:46:55
Abstract :
This study aims to determine empirically the influence of Macroeconomic Variables and Bank Specific Variables that have been selected, namely Gross Domestic Product, Inflation, Financing to Deposit Ratio (FDR), and Capital Adequacy Ratio (CAR) to Non Performing Financing (NPF) on NPF on Sharia Commercial Bank in Indonesia. The data used in this study were obtained from the Publication Report on the official website of the Financial Services Authority (OJK) within five years. Data were analyzed using multiple linear regression analysis processed through the application of SPSS 25. The results of hypothesis testing indicate that Gross Domestic Product (GDP) has a negative and not significant effect on Non-Performing Financing (NPF), Inflation has a negative and significant effect on Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR) has a positive and significant effect on Non-Performing Financing (NPF), Capital Adequacy Ratio (CAR) has a negative and significant effect on Non-Performing Financing (NPF), and Gross Domestic Product (GDP), Inflation, Financing to Deposit Ratio (FDR) and Capital Adequacy Ratio (CAR) together have a significant effect on Non Performing Financing (NPF).
This study aims to determine empirically the influence of Macroeconomic Variables and Bank Specific Variables that have been selected, namely Gross Domestic Product, Inflation, Financing to Deposit Ratio (FDR), and Capital Adequacy Ratio (CAR) to Non Performing Financing (NPF) on NPF on Sharia Commercial Bank in Indonesia. The data used in this study were obtained from the Publication Report on the official website of the Financial Services Authority (OJK) within five years. Data were analyzed using multiple linear regression analysis processed through the application of SPSS 25. The results of hypothesis testing indicate that Gross Domestic Product (GDP) has a negative and not significant effect on Non-Performing Financing (NPF), Inflation has a negative and significant effect on Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR) has a positive and significant effect on Non-Performing Financing (NPF), Capital Adequacy Ratio (CAR) has a negative and significant effect on Non-Performing Financing (NPF), and Gross Domestic Product (GDP), Inflation, Financing to Deposit Ratio (FDR) and Capital Adequacy Ratio (CAR) together have a significant effect on Non Performing Financing (NPF).
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