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Journal articles on the topic 'Non-Performing Financing'

Author: Grafiati

Published: 4 June 2025

Last updated: 1 August 2025

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1

Safar Nasir, M., Yolanda Oktaviani, and Nur Andriyani. "Determinants of Non-Performing Loans and Non-Performing Financing level: Evidence in Indonesia 2008-2021." Banks and Bank Systems 17, no. 4 (2022): 116–28. http://dx.doi.org/10.21511/bbs.17(4).2022.10.

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Banking stability plays an important role as an intermediary in the economy. Both the economy and the banking sector affect each other. This study aims to investigate the effect and response of external variables and internal bank variables on Non-Performing Loans at Conventional Commercial Banks and Non-Performing Financing at Islamic Commercial Banks. This study uses macroeconomic variables such as economic growth and inflation, while a bank’s internal variables include the Loan to Deposit Ratio, Financing to Deposit Ratio, and Capital Buffer. This study employs Vector Autoregressive Regress

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Indriastuti, Maya, Indri Kartika, and Sri Sulistyowati. "Reducing Non Performing Financing Through Financial Ratios." JURNAL STUDI MANAJEMEN ORGANISASI 17, no. 1 (2022): 71–78. http://dx.doi.org/10.14710/jsmo.v17i1.40175.

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The aim of this study is to investigate financial ratios in minimizing non performing financing (NPF) at Sharia Banks. The samples of this study were 11 Sharia Banks listed in Bank Indonesia in 2008-2018. The data were analyzed by using multiple linier regression analysis. The result of this study showed that CAR, QPA, and OEOI have a significant positive effect on NPF. Meanwhile, FDR variable has no significant negative effect on NPF. The results of this study are expected to provide information on the factors that can affect the NPF and how to control the NPF so that Sharia Banks can keep th

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Niswatin and Ivan Rahmat Santoso. "Factors affecting non-performing finance in Islamic banking in Indonesia’s agricultural sector." Banks and Bank Systems 20, no. 1 (2025): 323–33. https://doi.org/10.21511/bbs.20(1).2025.26.

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This study aims to analyze the factors affecting Islamic banks’ non-performing finance in financing Indonesia’s agricultural sector. It uses secondary data from the annual financial statements of 12 Islamic commercial banks from 2014–2022 obtained from the Indonesian Financial Services Authority. The analysis used the partial least squares-structural equation modeling method to test the relationship between independent variables: murabahah financing, mudharabah, number of bank offices, and profit-sharing non-profit investment, with non-performing finance as the dependent variable. The financin

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4

Mulyaningsih, Sri, and Iwan Fakhruddin. "PENGARUH NON PERFORMING FINANCING PEMBIAYAAN MUDHARABAH DAN NON PERFORMING FINANCING PEMBIAYAAN MUSYARAKAH TERHADAP PROFITABILITAS PADA BANK UMUM SYARIAH DI INDONESIA." Media Ekonomi 16, no. 1 (2016): 196. http://dx.doi.org/10.30595/medek.v16i1.1282.

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This study aimed to know the influence of non performing financing in Mudharabah system and non performing financing in musyarakah system toward the profitability of the the Islamic banks. A financing channeled to customers potentially leads to financial problems. Financing problematic in the Islamic banks can be seen from the level of non performing financing. The data used in this study was the secondary data in the form of annual financial report in islamic banks during period 2009 up to 2013. The method of data analysis used in this research was multipel linier regression analysis. T

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Nadratuzzaman Hosen, Muhamad, and Syafaat Muhari. "Non-performing financing of Islamic rural bank industry in Indonesia." Banks and Bank Systems 14, no. 1 (2019): 20–28. http://dx.doi.org/10.21511/bbs.14(1).2019.03.

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This study is aimed at analyzing the financial performance and indicator of macroeconomics to influence the quality of financing at Islamic Rural Bank Industry (IRBI) in Indonesia. The panel data regression is used to predict the change of quality of financing which is reflected by value of non-performing financing (NPF). The model of this study is grouped by four areas of working zones because IRBI has different competency depending on its region. The sample of the study used 72 IRBIs in the periods of Quarter II 2010 to Quarter I 2016. The results of the study show that simultanuously variab

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Purba, Hasian. "Pengaruh Pembiayaan Jual Beli (Murabahah), Pembiayaan Bagi Hasil (Mudharabah), Pembiayaan Bermasalah (NPF) Gross, Pembiayaan Bermasalah (NPF) Net terhadap Kinerja Keuangan (ROA) di Bank Syariah Mandiri (2011-2020)." Jurnal Ilmiah Akuntansi dan Finansial Indonesia 6, no. 1 (2022): 29–40. http://dx.doi.org/10.31629/jiafi.v6i1.4614.

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The purpose of this study, among others, is to find out how the effect of buying and selling financing on the financial performance of Syariah Mandiri banks in 2011-2020. To find out how the influence of profit-sharing financing on the financial performance of Syariah Mandiri banks in 2011-2020. To find out how the effect of Gross non-performing financing on the financial performance of Syariah Mandiri banks in 2011-2020. To find out how the influence of non-performing financing Net on the financial performance of Bank Syariah Mandiri in 2011-2020. To find out how the influence of buying and s

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Fakhrunnas, Faaza, Riska Dwi Astuti, and Mohammad Bekti Hendrie Anto. "Determinants of non-performing financing in Indonesian Islamic banks: A regional and sectoral analysis." Banks and Bank Systems 17, no. 4 (2022): 72–86. http://dx.doi.org/10.21511/bbs.17(4).2022.07.

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This study examines the determinants of Islamic banks’ non-performing financing from the perspective of regional and sectoral aspects during the periods before and during the pandemic. The study adopts a dynamic panel data analysis, namely the Generalized Method of Moments, and assesses panel data from the Indonesian banking industry in 32 provinces from October 2018 to July 2021 on a monthly basis. The study uses non-performing financing as the dependent variable and regional inflation, total financing, financing to deposit ratio, and Islamic bank size as the dependent variables. The findings

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8

Aryani, Firda, and Tariza Putri Ramayanti. "Peran Non Performing Financing dalam Memediasi antara Equity Financing dan Debt Financing terhadap Profit Expense Ratio pada PT. Bank Syariah Mandiri." Jurnal Terapan Ilmu Ekonomi, Manajemen dan Bisnis 2, no. 2 (2022): 423–32. https://doi.org/10.5281/zenodo.7011737.

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Penelitian ini bertujuan untuk menganalisis pengaruh <em>Equity Financing</em> dan <em>Debt Financing</em> terhadap <em>Profit Expense Ratio</em> melalui <em>Non Performing Financing</em> sebagai variabel intervening. Penelitian ini dilakukan pada Bank Syariah Mandiri dengan pengamatan selama lima tahun dan laporan keuangan yang digunakan laporan keuangan bulanan maka jumlah sampel observasi penelitian sebanyak 60 observasi. Penelitian ini mendapatkan hasil bahwa <em>Equity financing </em>berpengaruh negatif dan tidak signifikan terhadap <em>non performing financing</em>. <em>Debt financing </

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Widarjono, Agus, and Ari Rudatin. "Financing diversification and Indonesian Islamic bank's non-performing financing." Jurnal Ekonomi & Keuangan Islam 7, no. 1 (2021): 45–58. http://dx.doi.org/10.20885/jeki.vol7.iss1.art4.

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SURYADI, NANDA, ARIE YUSNELLY, and RATNA NURANI. "NON PERFORMING FINANCIAL (NPF) MEMODERASI PEMBIAYAAN MUDHARABAH DAN MUSYARAKAH TERHADAP PROFITABILITAS." JURNAL AKUNTANSI DAN KEUANGAN 13, no. 2 (2025): 99–105. https://doi.org/10.32520/jak.v13i2.3856.

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The purpose of this study is to test the hypothesis and generate evidence regarding the effect of Mudharabah, Musyarakah contract financing on profitability with Non-Performing financing (NPF) as a moderating variable at Islamic People's Financing Banks (BPRS) in 2021-2023. This study uses secondary data, namely the BPRS financial statements published in the Financial Services Authority (OJK) which determine the effect of Mudharabah, Musyarakah and Murabahah contract financing on profitability with Non-Performing financing (NPF) as a moderating variable at the Islamic People's Financing Bank (

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Novianto, Abdullah Syakur Novianto, Mohammad Rizal, and Nafadzila Wahyuniar Asri. "Non-Performing Micro, Small and Medium Enterprises Financing: Studies on Islamic Banking in Indonesia." Journal of Islamic Economics Perspectives 5, no. 2 (2023): 33–41. http://dx.doi.org/10.35719/jiep.v5i2.120.

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Micro, Small and Medium Enterprises (MSMEs) have a very large role in the Indonesian economy, but they have the problem of not having access to capital from either banks or non-bank financial institutions. As a form of commitment to support government programs, conventional and Sharia banking extends credit to MSMEs. The amount of financing channelled by Sharia banking to the MSME sector has continued to increase, but the increase in MSME financing has had an impact on non-performing financing for MSME financing, which is above 5%. This study aims to determine the effect of financing margin, t

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Malik, Muhammad Abdul, and Saiful Anwar. "Determinan profitabilitas perbankan syariah di Indonesia: peran moderasi non performing financing." Journal of Accounting and Digital Finance 1, no. 1 (2021): 49–58. http://dx.doi.org/10.53088/jadfi.v1i1.19.

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This study aims to examine the effect of profit sharing, BOPO and financing on profitability with non-performing financing (NPF) as a moderating variable. This study uses linear regression analysis of panel data on 11 Islamic Commercial Banks (BUS) for the 2015-2019 period in Indonesia. The results of this study indicate that profit sharing and financing have a positive effect, BOPO has a negative effect on the profitability of Islamic banking in Indonesia. The relationship between profit sharing and financing in Islamic banking is moderated by non-performing financing, but not with the relati

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Sa’diyah, Haniatus. "Corporate Governance dan Kinerja Keuangan." Jurnal Manajemen Bisnis 17, no. 4 (2020): 566–89. http://dx.doi.org/10.38043/jmb.v17i4.2718.

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This study aims to determine the effect of corporate governance as proxied by the Board of Commissioners, the Board of Independent Commissioners, the Board of Directors and the Sharia Supervisory Board on Financial Performance, through a connecting variable, namely Non Performing Financing (NPF). The sample of this research is using purposive sampling method. The population is 13 Islamic Commercial Banks in Indonesia. The samples obtained were 8 Islamic Commercial Banks. The data is obtained from the quarterly reports of each bank, namely the first quarter of 2017 to the second quarter of 2020

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Legowati, Diah Ayu, and Ari Prasetyo. "Pengaruh Pembiayaan Berdasarkan Jenis Penggunaan Terhadap Non Performing Financing Pada Bank Umum Syariah (BUS) Dan Unit Usaha Syariah (UUS) Di Indonesia Periode Januari 2009 – Desember 2015." Jurnal Ekonomi Syariah Teori dan Terapan 3, no. 12 (2017): 1006. http://dx.doi.org/10.20473/vol3iss201612pp1006-1019.

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The purpose of this research was to analyze the impact of working capital financing, investment financing and consumption financing on Non Performing Financing of Islamic Banking Industry in Indonesia from January 2009 until December 2015. This research using a quantitative methods. The data used are the secondary data from Financial Services Authority official website. The analytical methods used in this research is the method of multiple linear regression with a significance level of 0,05. Based on the analysis, working capital financing and investment financing partially provide a significa

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Makfiroh, Laelatul, and Arna Asna Annisa. "Faktor determinan volume pembiayaan perbankan syariah dengan pertumbuhan ekonomi sebagai variabel moderasi." Journal of Economics Research and Policy Studies 2, no. 2 (2022): 88–103. http://dx.doi.org/10.53088/jerps.v2i2.77.

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The study aimed to determine the effect of third-party funds, inflation, and non-performing financing on the volume of Islamic banking financing with economic growth as a moderating variable in Islamic commercial banks in Indonesia in 2016–2020. The data used is secondary data, which is processed using the moderated regression analysis method (MRA). The study results show that third-party funds, inflation, and non-performing financial variables significantly affect financing volume. Partially, third-party funds and inflation positively affect the volume of financing. Non-performing financing d

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Lisa, Oyong, Ahmad Dahlan, and Alex Ari Gustopo. "Non-Performing Financing as a Medium of Sharia Cooperative Performance in East Java." Jurnal Ekonomi Syariah Teori dan Terapan 9, no. 6 (2022): 863–73. http://dx.doi.org/10.20473/vol9iss20226pp863-873.

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ABSTRAK Sumber informasi utama bagi manajemen dan investor adalah kinerja keuangan. Penghasilan yang diperoleh mengungkapkan kesehatan keuangan bisnis. Tujuan dari penelitian ini antara lain menganalisis Pembiayaan pengeruh Mudharabah dan Pembiayaan Ijarah terhadap non performing financing dan kinerja keuangan, menganalisis pengaruh non performing financing terhadap kinerja keuangan. Non Performing Financing sebagai pemediasi Pembiayaan Mudharabah dan Pembiayaan Ijarah terhadap kinerja keuangan Koperasi Syariah di Jawa Timur. Populasi dalam penelitian ini sebanyak 37 koperasi, teknik pengambil

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Yudistira, Novaldi, and Ristati Ristati. "THE EFFECT OF CAPITAL ADEQUACY RATIO, NON-PERFORMING FINANCING, BANK SIZE AND FINANCING TO DEPOSIT RATIO ON SHARIA BANKS PERFORMANCE IN INDONESIA." Journal of Accounting Research, Utility Finance and Digital Assets 1, no. 2 (2022): 99–110. http://dx.doi.org/10.54443/jaruda.v1i2.18.

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The purpose of this study is to examine the effect of the capital adequacy ratio, non-performing financing, bank size and financing to deposit ratio on financial performance of Islamic banks in Indonesia. The data used in this study are capital adequacy ratios, non-performing financing, bank size, financing to deposit ratio and financial performance of Islamic banks in Indonesia for 2013-2020. The data is accessed through the website www.ojk.go.id Data analysis method in this study is panel data regression analysis method. The results of the study find that capital adequacy ratio has positive

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Yudiansyah, Shaleh, Srinita Srinita, Suriani Suriani, and Gunawan Eddy. "Does Sharia Banking have the Capability to Increase Micro, Small and Medium Enterprises Financing?" International Journal of Finance, Economics and Business 1, no. 4 (2022): 250–64. http://dx.doi.org/10.56225/ijfeb.v1i4.91.

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The contribution of Micro, Small, and Medium Enterprises (MSMEs) has played an important role in GDP and employment growth in Indonesia in the last decades, but still, MSMEs have difficulties accessing bank loans. This study examines the effect of internal factors of Islamic banking performance ratio, financing to deposit ratio, capital adequacy ratio, non-performing financing of total financing, and non-performing financing for MSMEs on the development of MSMEs financing in Islamic Banking in Indonesia. It consists of three Islamic Financial Institutions; Islamic Commercial Banking, Islamic B

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Maulana, Arif, and Noven Suprayogi. "PENGARUH FDR TERHADAP ROA DENGAN VARIABEL INTERVENING NPF PADA BPRS INDONESIA 2011-2016." Jurnal Ekonomi Syariah Teori dan Terapan 6, no. 1 (2020): 23. http://dx.doi.org/10.20473/vol6iss20191pp23-35.

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This research aims to know the influence of Financing to Deposit Ratio (FDR) against Non Performing Financing (NPF), the influence of Non-Performing Financing (NPF) towards profitability, leverage Financing to Deposit Ratio (FDR) towards profitability , on the Bank of the people's Islamic Financing in Indonesia. The approach used is the quantitative approach using path analysis or path analysis. The sample used in this study is the BPRS from January 2011 to December 2016. The data is drawn from Islamic Banking Statistics issued by Bank Indonesia and the financial services authority totalling 7

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Afif, Zaim Nur, and Imron Mawardi. "Pengaruh Pembiayaan Murabahah Terhadap Laba Melalui Variabel Intervening Pembiayaan Bermasalah Bank Umum Syariah di Indonesia Periode 2009-2013." Jurnal Ekonomi Syariah Teori dan Terapan 1, no. 8 (2015): 565. http://dx.doi.org/10.20473/vol1iss20148pp565-580.

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This study aims to investigate the effect of murabaha financing to profit through non performing financing as an intervening variable of islamic banks in Indonesia. This study uses quantitive approach with path analysis and three kinds of variables, they are murabaha financing as exogenous variable, non performing financing as intervening endogenous variable and profit as endogenous variable. The banks are used in this study is the Bank Muamalat Indonesia, Bank Syariah Mandiri, Bank Mega Syariah, Bank BRI Syariah, and Bank Syariah Bukopin. This study uses secondary data. Data collection is con

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Munifatussa'idah, Asma'. "Determinants Non-Performing Financing (NPF) in Indonesia." Equilibrium: Jurnal Ekonomi Syariah 8, no. 2 (2020): 255. http://dx.doi.org/10.21043/equilibrium.v8i2.7874.

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This study aims to analyze the significance effect of Minimum Capital Requirement (KPMM), Financing to Deposit Ratio (FDR), Operating Expenses to Operations Revenue (BOPO), and Gross Domestic Product (GDP) toward Non-Performing financing (NPF) at Sharia Commercial Banks in Indonesia. This study uses analysis multiple linear regression (PLS) method. The sample in this study is the quarterly Sharia Commercial Banks (BUS) in the period of 2014-2019. The result of this study showed that KPMM, FDR, BOPO, and GDP simultaneously have a significant effect toward NPF. Partially KPMM, FDR, and BOPO have

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Sari, Noerlela, and Ellyana Amran. "DETERMINASI NON PERFORMING FINANCING PADA BANK UMUM SYARIAH DI INDONESIA." Media Ekonomi 27, no. 1 (2019): 1. http://dx.doi.org/10.25105/me.v27i1.5170.

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<em>This study aims to determine the effect of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Inflation, and Gross Domestic Product (GDP) on Non Performing Financing (NPF) on Islamic Commercial Banks in Indonesia for 2012-2016 Period. <em>The research method used in this study is quantitative research methods. The sample is 8 Sharia Commercial Banks which were previously determined by the purposive sampling method. Data collected in the form of quarterly financial reports for each Sharia Bank from 2012-2016. The analysis technique used is panel data regression. &lt

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Kurnia, Kurnia, Wahdan Arum Inawati, and S. Ja’far Husnaini. "Kecukupan Modal, Pembiayaan Bermasalah, Bagi Hasil, Modal Intelektual dan Profitabilitas Bank Syariah di Indonesia." E-Jurnal Akuntansi 32, no. 9 (2022): 2874. http://dx.doi.org/10.24843/eja.2022.v32.i09.p19.

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This study examines the effect of capital adequacy ratios, non-performing financing, profit-sharing financing and intellectual capital on profitability. This study uses quantitative methods with a sample of ten Islamic Commercial Banks registered with the Financial Services Authority for the period 2014-2019. Based on research data, panel data regression analysis was used to determine the relationship between research variables. Processing data using Software Eviews. The study found that only non-performing financing variables had an effect on profitability. Researchers provide recommendations

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Hadiani, Fatmi, and Elva Oktavia Sari. "Non-Performing Financing pada Bank Umum Syariah dengan Faktor Determinan ROA, BOPO, CAR, dan FDR." Journal of Applied Islamic Economics and Finance 3, no. 2 (2023): 266–74. http://dx.doi.org/10.35313/jaief.v3i2.3753.

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Islamic banks engage primarily in the distribution of funds through financing activities, which inherently exposes them to financing risks. One such risk is non-performing financing, which refers to the inability of the bank to collect back the financed amount. This research aims to examine the impact of four variables, namely CAR, ROA, FDR, and BOPO, on the non-performing financing of Islamic Commercial Banks during the period of 2015-2020. The study employs a quantitative approach and utilizes panel data regression analysis. The data used for analysis are obtained from the financial statemen

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Saputri, Pungky Lela, and Hanif Ahmadi. "FINANCING DISTRIBUTION AND ITS EFFECT ON NON-PERFORMING FINANCING OF ISLAMIC BANKS." Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora 8, no. 2 (2022): 96–106. http://dx.doi.org/10.37567/alwatzikhoebillah.v8i2.1472.

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Non-performing financing manifested in the Non-Performing Financing (NPF) ratio is a threat to the sustainability of Islamic banks. This research seeks to reveal how much financing distribution carried out by Islamic banks can have an impact on NPF through hypothesis testing. This study examines the variables of profit-sharing financing and murabahah financing to the NPF ratio of Islamic banks. Timeseries data from each of these variables is obtained from the Quarterly Financial Statements of Bank Syariah Indonesia for the period 2015 – 2022. The data were tested using multiple linear regressi

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Badzlina, Disya, Rafrini Amyulianthy, and Mira Munira. "PENGARUH RASIO KEUANGAN TERHADAP KINERJA PERBANKAN SYARIAH (Studi Empiris Pada Perusahaan Perbankan Syariah Periode 2014-2018)." RELEVAN : Jurnal Riset Akuntansi 1, no. 1 (2020): 12–23. http://dx.doi.org/10.35814/relevan.v1i1.1811.

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Penelitian ini bertujuan untuk menguji dan menganalisis pengaruh capital adequacy ratio, non performing financing, dan financing to deposit ratio terhadap kinerja (keuangan dan operasional) pada industri perbankansyariah yang terdaftar di Bursa Efek Indonesia (BEI) periode 2014-2018. Sampel penelitian ini terdiri atas 11perusahaan perbankan syariah yang dipilih secara purposive sampling. Hasil penelitian ini menunjukkan bahwacapital adequacy ratio dan non performing financing berpengaruh terhadap kinerja keuangan, sedangkan financingto deposit ratio tidak berpengaruh terhadap kinerja keuangan.

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Masitoh, Siti, and Rachma Zannati. "Pengaruh Pembiayaan Syariah Terhadap Kinerja Keuangan Perbankan Syariah." AKURASI: Jurnal Riset Akuntansi dan Keuangan 3, no. 1 (2021): 43–56. http://dx.doi.org/10.36407/akurasi.v3i1.324.

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This study aims to analyze Islamic financing; Mudharabah, Murabahah, Financing To Deposit Ratio, Non Performing Financing on the financial performance of Islamic Banking in Indonesia. Based on the sampling criteria, there are 15 Islamic Banks, namely a combination of Islamic Commercial Banks and Sharia Business Units with a research period of 5 years (2014-2018). The research analysis used is panel data regression analysis using E-Views 10. Based on the results of data analysis, only Non-Performing Financing has a significant effect on Return on Assets. Meanwhile, Mudharabah, Murabahah, and Fi

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Widarjono, Agus, and Ari Rudatin. "The Determinants of Indonesian Islamic Rural Banks' Non-Performing Financing." Global Review of Islamic Economics and Business 9, no. 1 (2021): 029. http://dx.doi.org/10.14421/grieb.2021.091-03.

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Islamic bank encounters a high financing risk because of scheme contract using the profit-loss sharing system leading to an agency problem. The non-performing financing of Islamic rural banks as small Islamic banks in Indonesia is above the maximum threshold and is higher than that of conventional rural banks as their competitors. This paper investigates the impact of bank characteristic variables and macroeconomic variables on the non-performing financing of Islamic rural banks. Our study employs aggregate Islamic rural banks data, spanning from January 2009 to December 2018. Non-linear autor

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Sudirman, Sudirman, Trimulato Trimulato, Andi Sadapotto, and Yulianti Yulianti. "THE INFLUENCE OF INTERNAL AND EXTERNAL FACTORS AS AN EXPLANATION OF CHANGES IN NON-PERFORMING FINANCING AT BANK BNI SYARIAH." Tasharruf: Journal Economics and Business of Islam 7, no. 2 (2022): 119. http://dx.doi.org/10.30984/tjebi.v7i2.2084.

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The purpose of this research is to analyze the influence of internal variables including Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), Operational Costs to Operating Income (BOPO), and external variables, including Inflation and value of the exchange rate on Non-Performing Financing (NPF). The data used is secondary data obtained from financial statements from Bank BNI Syariah and Central Statistics Agency. The type of data analyzed is time series quarter period last ten years, from 2011 to 2020. The data analysis method is carried out using multiple regression with SPSS vers

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Wati, Fany Arista, and Dian Filianti. "FAKTOR-FAKTOR YANG MEMPENGARUHI PEMBIAYAAN USAHA MIKRO KECIL DAN MENENGAH PADA BANK PEMBIAYAAN RAKYAT SYARIAH DI INDONESIA." Jurnal Ekonomi Syariah Teori dan Terapan 6, no. 4 (2020): 846. http://dx.doi.org/10.20473/vol6iss20194pp846-860.

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The purpose of this study was to analyze the effect of Non-Performing Financing, Inflation and the BI rate on Financing Micro, Small and Medium Enterprises (MSMEs) in the Sharia People's Financing Bank in the period January 2013 to October 2018. This study used a quantitative approach. The data used is secondary data from the official website of the Financial Services Authority. The analytical method used in this research is multiple regression analysis (Muliple Linear Regression Analysis) with a significance level of 0.05. The results show that the Non Performing Financing and Inflation varia

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Roesmelyana, Firza Nazera, Ati Sumiati, and Santi Susanti. "PENGARUH PEMBIAYAAN JUAL BELI, PEMBIAYAAN BAGI HASIL, DAN NON-PERFORMING FINANCING TERHADAP PROFITABILITAS BANK PEMBIAYAAN RAKYAT SYARIAH." Indonesian Journal of Economy, Business, Entrepreneuship and Finance 4, no. 2 (2024): 382–95. https://doi.org/10.53067/ijebef.v4i2.169.

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This research was conducted to determine the effect of buying and selling financing, profit sharing financing, and non-performing financing on profitability. The research method used is a quantitative method with descriptive statistical analysis research type. The sample was obtained using a purposive sampling technique of 98 Sharia Rural Banks. This research uses secondary data obtained from the published financial reports of each bank on the Financial Services Authority website. Testing data analysis using SPSS 25. The results of this research show that partially buying and selling financing

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Nurdiansyah, Dian Hakip, Muhammad Nasim Harahap, and Nurul Hotimah. "The Third Party Funds and Non Performing Financing Rate on Murabahah." MIMBAR : Jurnal Sosial dan Pembangunan 36, no. 1 (2020): 209–18. http://dx.doi.org/10.29313/mimbar.v36i1.5665.

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The purpose of this research was to find out of Third Parties Fund, Non-Performing Financing and Murabahah in PT Bank Syariah Mandiri and to analyze and explain for both partially and simultaneously on Murabahah at PT Bank Syariah Mandiri. While the research method is descriptive quantitative with data obtained from the quarterly financial statement of PT Bank Syariah Mandiri. The results show that Third Parties Fund, Non-Performing Financing, and Murabahah continue to fluctuate. To partially test hypothesis shows that variable Third-Parties Fund significant effect on Murabahah, while variable

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Puspita, Dita, Benny Barnas, and Radia Purbayati. "Pengaruh Dana Pihak Ketiga, Non Perfoming Financing, dan Inflasi terhadap Pembiayaan Mudharabah pada Bank Umum Syariah." Journal of Applied Islamic Economics and Finance 2, no. 3 (2022): 502–14. http://dx.doi.org/10.35313/jaief.v2i3.3051.

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This study aims to determine the effect of Third Party Funds (TPF) (X1), Non Performing Financing (NPF) (X2), and Inflation (X3) on Mudharabah Financing (Y) at Islamic Commercial Banks in Indonesia. This study uses secondary data for the 2016-2020 period which is sourced from the official website of the Financial Services Authority and the Indonesian Central Statistics Agency. The analysis used is multiple linear regression analysis with quantitative methods. Simultaneously Third Party Funds (DPK), Non Performing Financing (NPF) and inflation simultaneously affect mudharabah financing. Partial

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Setiawan, Azis Zaelani, Ade Ali Nurdin, and Dadang Hermawan. "Pengaruh Restrukturisasi Pembiayaan Murabahah Terhadap Non Performing Financing Pada BPRS Al-Ihsan Bandung." Journal of Applied Islamic Economics and Finance 3, no. 1 (2022): 88–94. http://dx.doi.org/10.35313/jaief.v3i1.3844.

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The purpose of this study is to find out 1) The implementation of the problematic murabahah financing restructuring policy in PT. BPRS Al-Ihsan Bandung. 2) Constraints on the implementation of the murabahah financing restructuring policy are problematic in PT. BPRS Al-Ihsan Bandung. 3) The effect of restructuring on non-performing financing. This type of research is descriptive with a quantitative approach. The research informants were 2 employees of PT. BPRS Al-Ihsan Bandug. Data collection techniques using interviews and financial statements of PT. BPRS Al-Ihsan Bandung, which is published b

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Hatta, Fakhri, and Fauziah Aida Fitri. "PENGARUH INTELLECTUAL CAPITAL, FINANCING TO DEPOSIT RATIO DAN NON PERFORMING FINANCING TERHADAP PROFITABILITAS PERBANKAN SYARIAH DI INDONESIA." Jurnal Ilmiah Mahasiswa Ekonomi Akuntansi 5, no. 1 (2020): 85–95. http://dx.doi.org/10.24815/jimeka.v5i1.15469.

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This research aims to investigate the influence of Intellectual capital, Financing to deposit ratio and Non performing financing on profitability of Islamic Banking in Indonesia. The analysis technique used in this study is the multiple linear regression analysis. The type of data employed is secondary data from financial statements of each banks. The results of this research indicate that (1) Intellectual capital, Financing to deposit ratio and Non performing financing simultaneously effect on profitability (2) Intellectual capital has no significant effect on profitability (3) Financing to d

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Maulana A, Andi Bintang, Anwar Anwar, and Hety Budianty. "The Effect of Non-Performing Financing of Mudharabah and Murabahah Financing on Profitability of Islamic Banking." Economos : Jurnal Ekonomi dan Bisnis 6, no. 1 (2023): 10–18. http://dx.doi.org/10.31850/economos.v6i1.2237.

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Sharia Bank is a business entity that collects funds from the public in the form of deposits and distributes them to the community in order to improve the standard of living of many people. This study aims to determine the effect of Non-Performing Financing (NPF) of Mudharabah financing and Murabahah financing on Sharia Banking Profitability. This research is a quantitative research type. This research data is taken from the annual report of Islamic banking and the Financial Services Authority (OJK). The research variables include the independent variable is NPF Mudharabah financing and NPF Mu

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Waqas Karman, Hafiz, Shameer Malik, Hamas Butt, M. Hamza, Umair Afzal, and Shahzaib Maqbool. "Risk Premium and Its Effect on Bank’s Non-Performing Loans." International Journal Of Innovation And Economic Development 1, no. 6 (2015): 95–105. http://dx.doi.org/10.18775/ijied.1849-7551-7020.2015.16.2005.

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The present outcomes of risk premium have started the discussion over the Bank’s non-performing loans and its determinants. Banking sector is taking active part in different fields of life such as financing, business transactions and loan provisions. Therefore, it is very important for the management to make good decisions relating to the non-performing loans of the bank. In the current study, we have conducted an analysis in order to examine the risk premium and its effect on bank’s non–performing loans in 8 western countries of the world based on GDP over a period from 1998 to 2010. A concep

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Wilda, Zyahratul, Syahriyah Semaun, and Arqam. "PENGARUH NON-PERFORMING FINANCING PEMBIAYAAN MUDHARABAH DAN MURABAHAH TERHADAP TINGKAT PROFITABILITAS BANK XXX SYARIAH." BANCO: Jurnal Manajemen dan Perbankan Syariah 2, no. 1 (2020): 1–20. http://dx.doi.org/10.35905/banco.v2i1.1346.

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This study aims to determine whether there is an influence of Non-Performing Financing on mudharabah and murabaha financing on the level of profitability and want to know the dominant variables that simultaneously influence the level of profitability at the Sharia xxx Bank. This research is a quantitative research with descriptive method. Data collection is derived from financial statements. The method used to test hypotheses is to use multiple regression analysis techniques, t test, f test, coefficient of determination (R2). The results showed: Based on the results of the t test (

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Melati, Sophis Listy, Tastaftiyan Risfandy, Desti Indah Pratiwi, and Deny Dwi Hartomo. "How does equity financing impact non-performing financing? Evidence from Indonesia." Global Review of Islamic Economics and Business 12, no. 2 (2024): 093–106. https://doi.org/10.14421/grieb.2024.122-02.

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This study aims to investigate the impact of equity financing on non-performing financing (NPF) in Islamic commercial banks in Indonesia. To address this issue, we conducted a panel data regression analysis on 12 Islamic commercial banks in Indonesia from 2010 to 2022. The finding of this study suggests that an increase in equity financing is associated with a lower NPF ratio of Islamic banks. While it is theoretically argued that Islamic banks’ equity financing may be associated with higher risk, our empirical evidence indicates the opposite, suggesting an improved risk profile. Indonesia pre

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Mutawali, M., Ahmad Rodoni, and Muhammad Bin Said. "Prevention Effectiveness of Non-Performing Financing in the Indonesian Islamic Bank." ETIKONOMI 18, no. 2 (2019): 259–74. http://dx.doi.org/10.15408/etk.v18i2.11262.

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Islamic banking still has a high ratio of non-performing financing. This study analyzes the causes of non-performing financing, along with the prevention effectiveness and resolution strategies performed by Islamic banks in dealing with this problem. Interviews conducted on nine informants, with questionnaires distributed to 30 respondents. The results show that the prevention effectiveness performed by Islamic banks consists of legal aspects, qualified human resources, and criteria assessment used to finance proposals, and improve risk management. Furthermore, internal factors such as default

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Zuhri, Nurhadi Syaifudin, and Binti Nur Asiyah. "Factors Affecting the Risk Non-Performing Sharia Commercial Bank Financing." EKSYAR : Jurnal Ekonomi Syari'ah & Bisnis Islam 10, no. 2 (2023): 182–93. http://dx.doi.org/10.54956/eksyar.v10i2.427.

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This study aims to examine and analyze the influence of internal and external factors on the risk of problem financing in Islamic commercial banks in Indonesia. This research uses a quantitative type. Data comes from the Financial Services Authority (OJK) and Bank Indonesia for the 2015-2022. The data were first tested using the classical assumption test, which included the normality test, multicollinearity test, and autocorrelation test and then analyzed using multiple linear regression analysis. The Robust Least Squares method is used in multiple linear regression analysis to overcome the pr

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Hazmi, Faiqul, Ali Sofwan, and Sholikhul Hidayat. "Strategi Penyelesaian Non Performing Financing Pada KSPPS BMT di Kabupaten Jepara." Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah 9, no. 1 (2023): 124. http://dx.doi.org/10.29300/aij.v9i1.8542.

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High number of non performing financing (NPF) has a negative impact on Islamic Microfinance (BMT), that problems affect to financial performance in low condition, liquidity problems, as well as difficulties in covering operational costs, difficulties to payback financial obligations, and BMT will eventually losses then will be converted by reducing the amount of capital. That things will be resulting in the threat of sustainability. The aims of this study, are explain the strategies used by BMT`s in Jepara to solve their NPF. The research method used a descriptive qualitative approach, this re

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Hazmi, Faiqul, Ali Sofwan, and Solikhul Hidayat. "Strategi Penyelesaian Non Performing Financing Pada KSPPS BMT di Kabupaten Jepara." Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah 9, no. 1 (2024): 124. http://dx.doi.org/10.29300/aij.v9i1.2689.

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High number of non performing financing (NPF) has a negative impact on Islamic Microfinance (BMT), that problems affect to financial performance in low condition, liquidity problems, as well as difficulties in covering operational costs, difficulties to payback financial obligations, and BMT will eventually losses then will be converted by reducing the amount of capital. That things will be resulting in the threat of sustainability. The aims of this study, are explain the strategies used by BMT`s in Jepara to solve their NPF. The research method used a descriptive qualitative approach, this re

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Ramadhani, Suci, Sri Wahyuni, and Ika Wulandari. "Pengaruh Non-Performing Financing dan Financing to Deposit Ratio Terhadap Kinerja Keuangan." Journal of Tax and Business 4, no. 2 (2023): 318–26. https://doi.org/10.55336/jpb.v4i2.118.

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Penelitian ini bertujuan untuk mengetahui pengaruh non performing financing dan financing to deposit ratio terhadap kinerja keuangan. Penelitian ini menggunakan metode deskriptif kuantitative. Data dalam penelitian ini adalah laporan keuangan Baitul maal wattamwil (BMT) Usaha terpadu gabungan (UGT) tahun 2018-2020. Metode analisis data menggunakan regresi linier berganda dengan menggunakan software SPSS versi 21. Hasil dari penelitian ini menemukan bahwa variabel non performing financing dan variabel financing to desposit ratio berpengaruh terhadap kinerja perusahaan. Variabel non performing f

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Hidayah, Aldila Nuri, and Kurniawati Meylianingrum. "Macroeconomic Impact on Non-Performing Financing in Islamic Banking in 2011-2021." Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah 9, no. 2 (2023): 280. http://dx.doi.org/10.29300/aij.v9i2.11490.

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This study aims to determine the effect of Gross Domestic Product (GDP), unemployment rate, inflation and debt on non-performing financing in the Middle East, Central Asia, and Indonesia for the 2011-2021 period. This research uses descriptive quantitative research methods. The data used in this study are secondary data with documentation data collection techniques and literature studies sourced from www.imf.org and financial statements. The data analysis technique used is multiple linear regression with Eviews 12 software. The results of this study show that GDP, unemployment rate, and inflat

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Hidayah, Aldila Nuri, and Kurniawati Meylianingrum. "Macroeconomic Impact on Non-Performing Financing in Islamic Banking in 2011-2021." Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah 9, no. 2 (2024): 280. http://dx.doi.org/10.29300/aij.v9i2.2461.

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This study aims to determine the effect of Gross Domestic Product (GDP), unemployment rate, inflation and debt on non-performing financing in the Middle East, Central Asia, and Indonesia for the 2011-2021 period. This research uses descriptive quantitative research methods. The data used in this study are secondary data with documentation data collection techniques and literature studies sourced from www.imf.org and financial statements. The data analysis technique used is multiple linear regression with Eviews 12 software. The results of this study show that GDP, unemployment rate, and inflat

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Saputro, Nareswari, and Imron Mawardi. "Pengaruh Tingkat Marjin Murabahah Terhadap Financing To Deposit Ratio dan Non Performing Financing Pada Bank Syariah di Indonesia Periode 2010-2012." Jurnal Ekonomi Syariah Teori dan Terapan 1, no. 6 (2015): 416. http://dx.doi.org/10.20473/vol1iss20146pp416-433.

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This study aims to determine the effect of the murabahah margin rate to Financing to Deposit Ratio and Non Performing Financing on Indonesian Sharia Banks in the period 2010-2012. This study uses quantitative approach by using path analysis with three kinds of variables, which are murabahah margin rate as an exogenous variable, Financing to Deposit Ratio as an intervening endogenous variables and Non Performing Financing as an endogenous variable. The Sharia Banking industry is used as sample in this study, which consist of Sharia Comercial Banks (BUS) and Sharia Business Unit of a Conventiona

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Mas'ud, Riduan, Fachrozi Fachrozi, Muhammad Muhajir Aminy, and Athar Shahbaz Wani. "The Influence of CAR, FDR, NOM and TPF on Murabahah Financing at Sharia Banks BUKU 3 of 2020 with NPF as Moderating Variable." IKONOMIKA 6, no. 2 (2022): 275–90. http://dx.doi.org/10.24042/febi.v6i2.11667.

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This study aims to examine murabahah financing influenced by credit adequacy ratio, financing to deposit ratio, net operating margin and third party funds with non performing finance as a moderating variable at BUKU 3 sharia commercial banks in 2020. Method used is quantitative associative and data analysis technique using moderated regression analysis with SPSS version 25 tool which contains PROCESS 3.1 macro syntax. The population in this study is Sharia Commercial Banks included in the BUKU 3 category so that a sample of 4 banks is obtained; Bank Syariah Mandiri, BNI Syariah, BRI Syariah an

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Umami, Desy Reza, and Lina Nugraha Rani. "FAKTOR-FAKTOR YANG MEMPENGARUHI NON PERFORMING FINANCING BANK PEMBIAYAAN RAKYAT SYARIAH PERIODE 2015-2019." Jurnal Ekonomi Syariah Teori dan Terapan 8, no. 4 (2021): 483. http://dx.doi.org/10.20473/vol8iss20214pp483-495.

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ABSTRAKPenelitian ini bertujuan untuk menganalisis pengaruh faktor internal yaitu Financing to Deposit Ratio dan Return on Asset serta faktor eksternal yaitu BI Rate dan Indeks Produksi Industri terhadap Non Performing Financing Bank Pembiayaan Rakyat Syariah di Indonesia periode 2015 hingga 2019 baik secara parsial dan simultan. Sampel yang digunakan adalah sampel jenuh, yaitu Industri Bank Pembiayaan Rakyat Syariah di Indonesia. Data yang digunakan adalah data time series yang diperoleh dari web resmi Otoritas Jasa Keuangan dan Badan Pusat Statistik. Metode yang digunakan adalah pendekatan k

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Purwati, Purwati, and Fitri Sagantha. "PENGARUH PEMBIAYAAN MURABAHAH DAN PEMBIAYAAN MUSYARAKAH TERHADAP PROFITABILITAS DENGAN NON PERFORMING FINANCING (NPF) SEBAGAI VARIABEL MODERASI." Jurnal Revenue : Jurnal Ilmiah Akuntansi 3, no. 1 (2022): 290–311. http://dx.doi.org/10.46306/rev.v3i1.142.

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This study aims to determine the effect of Murabahah Financing and Musyarakah Financing on Profitability with Non Performing Financing (NPF) as a moderating variable. The independent variable used is Murabahah Financing and Musyarakah Financing then the dependent variable used is Profitability which is proxied by Return On Assets (ROA) and the moderating variable used is Non Performing Financing (NPF). This research method uses quantitative research with an associative approach. The sample in this study is Islamic Commercial Banks (BUS) registered with the Financial Services Authority (OJK) in

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