Analisis Pengaruh Variabel Makro dan Mikro Ekonomi terhadap Non Performing Financing pada Bank Umum Syariah Periode 2018-2023
DOI:
https://doi.org/10.30651/jms.v10i2.26542Abstract
Tantangan di sektor perbankan tidak hanya datang dari faktor internal, tetapi juga dipengaruhi oleh dinamika ekonomi eksternal. Hal ini menuntut bank syariah untuk mengembangkan strategi manajemen risiko yang efektif guna mengantisipasi risiko pembiayaan di tengah persaingan dengan perbankan konvensional. Penelitian ini menganalisis pengaruh variabel mikro dan makroekonomi terhadap Non Performing Financing (NPF) Bank Umum Syariah di Indonesia periode 2018–2023. Metode kuantitatif dengan pengambilan sampel bertujuan diterapkan pada data sekunder, termasuk laporan keuangan triwulanan dan indikator makroekonomi global, menggunakan analisis EViews. Hasil uji parsial menunjukkan bahwa BI Rate, inflasi, dan pengangguran tidak memiliki pengaruh yang signifikan terhadap NPF, sedangkan harga minyak dunia memiliki pengaruh negatif yang signifikan. Di sisi lain, nilai tukar, BOPO, dan FDR memiliki pengaruh yang positif, sedangkan CAR dan ROA menunjukkan pengaruh negatif yang signifikan. Secara keseluruhan, model random effect membuktikan bahwa variabel mikro dan makro secara simultan mempengaruhi NPF. Temuan ini menunjukkan bahwa meskipun beberapa faktor makro tidak signifikan secara individual, namun kombinasi variabel internal dan eksternal tetap memegang peranan penting dalam menentukan tingkat NPF. Implikasinya, penelitian ini dapat menjadi dasar dalam merumuskan kebijakan untuk meningkatkan stabilitas dan ketahanan perbankan syariah di Indonesia.
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