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Faktor-faktor yang Memengaruhi Non Performing Finance (NPF) pada Bank Umum Syariah di Indonesia Tahun 2003-2019

Authors

  • Ghaniya Rizki Nuraliyah Ilmu Ekonomi, Universitas Islam Bandung

DOI:

https://doi.org/10.29313/jrieb.v1i2.393

Keywords:

NPF, Inflasi, Bagi Hasil

Abstract

Abstract. Financing is one of the functions of the bank to make a profit. The risk of financing a bank is non-performing financing (NPF). This study aims to determine the factors that affect the NPF of Islamic Commercial Banks in Indonesia, the period 2003-2019. The research object in this study includes the rate of inflation, profit sharing, per capita income rate, and NPF. The type of research used is descriptive quantitative with a verification approach. The data used is secondary data, namely annual data from 2003-2019. Secondary data obtain the official publications of the website of the Financial Services Authority and the Central Statistics Agency using time series data. Data processing using the Eviews version 11.0 program with the Ordinary Least Square (OLS) method, statistical tests, and economic analysis. The results showed that the inflation rate, profit sharing, and the rate of income per capita did not influence the NPF. Based on the partial test, the inflation variable has a positive and significant effect on the NPF. The profit-sharing variable has a negative and significant influence on the NPF, and the variable rate of income per capita has a positive and significant effect on the NPF. Therefore, Islamic Commercial Banks should respond to the inflation shifting, maintain financing supervision to minimize the NPF rate.

Abstrak. Pembiayaan merupakan salah satu fungsi dari bank guna memperoleh keuntungan. Resiko dari pembiayaan suatu bank yaitu pembiayaan bermasalah (NPF). Penelitian ini bertujuan untuk mengetahui faktor-faktor yang mempengaruhi NPF pada Bank Umum Syariah di Indonesia, periode 2003-2019. Objek penelitian pada penelitian ini meliputi tingkat inflasi, bagi hasil, laju pendapatan perkapita, dan NPF. Jenis penelitian yang digunakan adalah deskriptif kuantitatif dengan pendekatan verifikatif. Data yang digunakan adalah data sekunder yaitu data tahunan dari 2003-2019. Data sekunder diperoleh dari publikasi resmi website Otoritas Jasa Keuangan dan Badan Pusat Statistik menggunakan data runtut waktu (time series). Pengolahan data menggunakan program Eviews versi 11.0 dengan metode Ordinary Least Square (OLS), dilakukan uji statistik dan analisis ekonomi. Hasil penelitian menunjukkan bahwa tingkat inflasi, bagi hasil, dan laju pendapatan perkapita secara bersama-sama tidak berpengaruh terhadap NPF. Berdasarkan pengujian secara parsial variabel inflasi berpengaruh positif dan signifikan terhadap NPF, variabel bagi hasil berpengaruh negatif dan signifikan terhadap NPF, dan variabel laju pendapatan perkapita berpengaruh positif dan signifikan terhadap NPF. Bank Umum Syariah perlu merespon perubahan kenaikan inflasi, perlu menjaga pengawasan pembiayaan agar dapat meminimalisasi tingkat NPF.

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Published

2021-12-23