The Effect of Internal and External Factors on Non-Performing Financing at Islamic Commercial Banks in Indonesia

Nasir, Muhammad; AR, M. Yazid; Amri, Mustika; Handayani, Cut Fitri; Aryati, Aryati

doi:10.33059/jseb.v13i2.3342

Cited by 2 publications

(5 citation statements)

References 11 publications

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“…Research conducted by (Rahmah et al, 2021;Soekapdjo et al, 2019;Sugiyanto, 2020) stated that inflation does not impact the NPF. Contrary to the findings of (Amelia, 2019;Nasir et al, 2022) this shows that inflation has a negative and significant impact on nonperforming financing (NPF).…”

Section: Introductioncontrasting

confidence: 99%

“…Research conducted by (Harahap & Alam, 2020;Rahmah et al, 2021;Soekapdjo et al, 2019;Sugiyanto, 2020) shows that inflation has no impact on NPF. In contrast, (Amelia, 2019;Nasir et al, 2022) found that the inflation variable had a negative and significant impact on NPF.…”

Section: Inflationmentioning

confidence: 81%

“…Research conducted by (Fransiska & Siregar, 2023;Rahmah et al, 2021;Umami & Rani, 2021) shows that bit rate has a significant negative impact on NPF. In their, research, (Nasir et al, 2022;Yulianti et al, 2022) found that the BI rate has a significant positive impact on NPF. However, research conducted by (Dalimunthe, Hidayah;Janrosl, 2021;Saidatur Rolianah & Istifadhoh, 2022) shows that the bit rate does not show a significant impact on NPF.…”

Section: Bi Ratementioning

confidence: 96%

“…Research conducted by (Fransiska & Siregar, 2023;Rahmah et al, 2021;Umami & Rani, 2021) shows that the BI Rate variable has a significant negative impact on NPF. According to (Nasir et al, 2022;Nugrohowati & Bimo, 2019;Yulianti et al, 2022) the BI Rate variable has a positive and significant impact on NPF. Research conducted by (Dalimunthe, Hidayah;Janrosl, 2021) states that the BI rate variable does not have a significant impact on NPF.…”

Section: Introductionmentioning

confidence: 99%

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Internal and External Factors that Influence Non-Performing Financing in Sharia Commercial Banks

Anindita,

Tubastuvi,

Purwidianti

et al. 2024

JAMBAK

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Problematic financing is reflected in Non-Performing Financing (NPF) because NPF is a parameter that can determine whether there is risky financing in Islamic banking. This research aims to determine the impact of Capital Adequacy Ratio (CAR), Operating Expenses and Operating Income (BOPO), inflation, and Bank Indonesia (BI) rates on Non-Performing Financing (NPF) in Sharia Commercial Banks in Indonesia. The data in this research uses secondary data. The population used is Sharia Commercial Banks registered with the Financial Services Authority (FSA) in 2018-2022. The sample used is the published report for the 2018-2022 quarter I-IV period. The research results show that BOPO has a positive and significant impact on NPF. Meanwhile, CAR, inflation, and BI rates have no significant impact on NPF.

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Section: Introductioncontrasting

confidence: 99%

Section: Inflationmentioning

confidence: 81%

Section: Bi Ratementioning

confidence: 96%

Section: Introductionmentioning

confidence: 99%

See 2 more Smart Citations

Internal and External Factors that Influence Non-Performing Financing in Sharia Commercial Banks

Anindita,

Tubastuvi,

Purwidianti

et al. 2024

JAMBAK

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“…It is reinforced by Muyassaroh & Saputra's (2015) research, where FDR has a significant effect on PDM. H3: Financing to Deposit Ratio Affects Profit Distribution Management According to Nasir et al (2022), financing risk (non-performing financing) occurs due to financing failures caused by the inability of banks to recover the amount of financing or obtain returns on investments that have been disbursed. If this ratio continues to increase, the bank shows that the soundness of its financing is of poor quality.…”

Section: Hypothesismentioning

confidence: 99%

Internal Factor Attribute in Islamic Banks: Which Ones Contribute to Profit Distribution? Evidence From Muamalat Bank

Iswanto

Sabna²,

Yuliani³

et al. 2023

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Competition between financial institutions will have a positive and negative impact on the development of a bank. In this case, the existence of Bank Muamalat Indonesia as the first pioneer of banks operating with Sharia principles for 30 years needs to be assessed for its financial performance. This study aims to determine and analyze the effect of the ratio of CAR, ROA, FDR, NPF, and BOPO on Profit Distribution Management at Bank Muamalat Indonesia for the 2014-2021 period. The data used in this study includes data on Bank Muamalat Indonesia's quarterly financial statements from 2014 to 2021. The statistical test method used to analyze data in this study is Multiple Regression Analysis. The results of this study show that the ratio of ROA and FDR has a significant effect on Profit Distribution Management, while the ratio of CAR, NPF, and BOPO does not have a significant effect on Profit Distribution Management. Simultaneously, the ratio of CAR, ROA, FDR, NPF, and BOPO affects Profit Distribution Management. This research has several implications for bank policy regarding the importance of maintaining financial performance ratios and opinions through increasing bank financing disbursements and optimizing Profit Distribution Management.

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The Effect of Internal and External Factors on Non-Performing Financing at Islamic Commercial Banks in Indonesia

Cited by 2 publications

References 11 publications

Internal and External Factors that Influence Non-Performing Financing in Sharia Commercial Banks

Internal and External Factors that Influence Non-Performing Financing in Sharia Commercial Banks

Internal Factor Attribute in Islamic Banks: Which Ones Contribute to Profit Distribution? Evidence From Muamalat Bank

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