Digital Library: No conditions. Results ordered -Date Deposited. 2024-03-28T09:27:52ZEPrintshttp://digilib.unila.ac.id/images/sitelogo.pnghttp://digilib.unila.ac.id/2016-04-19T06:49:44Z2016-04-19T06:49:44Zhttp://digilib.unila.ac.id/id/eprint/21752This item is in the repository with the URL: http://digilib.unila.ac.id/id/eprint/217522016-04-19T06:49:44ZANALISIS PENGARUH FAKTOR EKSTERNAL DAN INTERNAL
TERHADAP NON PERFORMING FINANCE (NPF)
PERBANKAN SYARIAH (2009:I – 2015:5)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) (1111021063) INDAH FAJRIATIindahfajrianti35@gmail.com