ANALISIS PENGARUH FAKTOR EKSTERNAL DAN INTERNAL TERHADAP NON PERFORMING FINANCE (NPF) PERBANKAN SYARIAH (2009:I – 2015:5)

INDAH FAJRIATI, (1111021063) (2016) ANALISIS PENGARUH FAKTOR EKSTERNAL DAN INTERNAL TERHADAP NON PERFORMING FINANCE (NPF) PERBANKAN SYARIAH (2009:I – 2015:5). FAKULTAS EKONOMI DAN BISNIS, UNIVERSITAS LAMPUNG.

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Abstrak

ABSTRAK Perkembangan perbankan syariah di Indonesia sangat pesat sehingga berdampak pada munculnya kredit-kredit bermasalah yang disebabkan oleh kurang ketatnya pihak perbankan syariah dalam memberikan kredit. Penelitian ini bertujuan untuk mengetahui pengaruh faktor eksternal (kurs, SWBI, dan inflasi) dan faktor internal (CAR dan FDR), terhadap Non Performing Finance bank umum syariah di Indonesia selama periode 2009:01 – 2015:05. Metode yang digunakan dalam penelitian ini adalah Error Correction Model (ECM). Data yang digunakan adalah data sekunder yang diperoleh secara bulanan selama periode 2009:01 – 2015: 05 ABSTRACT The growth of the syariah banks Indonesia is very fast and have an impact to the emergence of credits troubled caused by less tight bank syariah in providing credit. This research aims to understand the influence of external factors (exchange to rate, SWBI, and inflation and the internal factor (CAR and the FDR) , to non performing finance general sharia based bank in indonesia during the period 2009: 01 - 2015: 05. The methods used in this research is Error Correction Model (ECM). The data used was secondary data obtained on a monthly during the period 2009: 01 - 2015: 05. The results indicates that the exchange rate have a negative influence but not significantly to NPF. SWBI have had a positive impact but not significantly to NPF. Inflation have a negative influence and significant impact on NPF. CAR has a negative influence and significant impact on NPF. FDR has had a positive impact and significant impact on NPF. Key Word : Non Performing Finance (NPF), Exchange Rate, Certificate Wadiah The Bank Indonesia (SWBI), Inflation, Capital Adequacy Rasio (CAR), and Financing Deposit Ratio (FDR) Hasil penelitian ini menunjukkan bahwa variabel kurs berpengaruh negatif namun tidak signifikan terhadap NPF. Variabel SWBI berpengaruh positif namun tidak signifikan terhadap NPF. Variabel inflasi berpengaruh negatif dan signifikan terhadap NPF. Variabel CAR berpengaruh negatif dan signifikan terhadap NPF. Variabel FDR berpengaruh positif dan signifikan terhadap NPF. Kata Kunci : Non Performing Finance (NPF), Kurs, Sertifikat Wadiah Bank Indonesia (SWBI), Inflasi, Capital Adequacy Rasio (CAR), dan Financing Deposit Ratio (FDR)

Tipe Karya Ilmiah: Skripsi
Subyek: H Ilmu Sosial = Social Sciences
H Ilmu Sosial = Social Sciences > HC Economic History and Conditions
Program Studi: Fakultas Ekonomi dan Bisnis > Prodi Ekonomi Pembangunan
Depositing User: 6737759 . Digilib
Date Deposited: 19 Apr 2016 06:49
Last Modified: 19 Apr 2016 06:49
URI: http://digilib.unila.ac.id/id/eprint/21752

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