DETERMINAN NON PERFORMING FINANCING (NPF) PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2014-2018

Asma’ Munifatussa’idah, Suryani Sri Lestari

Abstract


This study aims to analysis the determinants of Non Performing financing in Indonesia Sharia Commercial Banks period 2014-2018, both simultaneously and partially. The population in this study were all Sharia Commercial Banks in Indonesia period 2014-2018, while the sample in this study were 4 (four) Sharia Commercial Banks in the period of 2014-2018, which were selected using purposive sampling technique. The analysis model in this study is a Multiple Linear Regression Analysis model, and the analysis technique used the Simultaneous Test (F Test), Determination Coefficient Test (R2), and Partial Test (t Test) which is processed used SPSS 24.00 program. The result of this study showed that the Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operating Expenses to Operations Revenue (OEOR), and Gross Domestic Product (GDP) simultaneously have a significant effect toward Non Performing Financing (NPF) in Indonesia Sharia Commercial Banks period 2014-2018. Furthermore Capital Adequacy Ratio (CAR) and Financing to Deposit Ratio (FDR) partially have a significant negative effect toward Non Performing Financing (NPF), Operating Expenses to Operations Revenue (OEOR) partially has a significant positive effect toward Non Performing Financing (NPF), and Gross Domestic Product (GDP) partially has a positive but not significant effect toward Non Performing Financing (NPF) in Indonesia Sharia Commercial Banks period 2014-2018.     

Keywords


Non Performing Financing (NPF), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operating Expenses to Operations Revenue (OEOR), and Gross Domestic Product (GDP).

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References


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