Pengaruh Inflasi, BI Rate, Kurs, CAR, FDR, BOPO Terhadap Non Performing Financing pada Bank KB Bukopin Syariah dan Bank Jabar Banten Syariah Periode 2015 - 2024

Authors

  • Amalia Rofiana Rohmah Universitas Islam Negeri Syarif Hidayatullah Jakarta
  • M. Fadlillah Fauzulkhaq Universitas Islam Negeri Syarif Hidayatullah Jakarta

DOI:

https://doi.org/10.30651/jms.v11i2.30756

Abstract

Non-Performing Financing (NPF) yang berfluktuasi di atas batas sehat berpotensi menimbulkan inefisiensi perbankan serta meningkatkan risiko pembiayaan bermasalah. Kondisi ini dipengaruhi oleh faktor makroekonomi dan kinerja internal bank. Penelitian ini menganalisis pengaruh inflasi, suku bunga (BI-Rate), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), dan Biaya Operasional terhadap Pendapatan Operasional (BOPO) terhadap NPF pada Bank KB Bukopin Syariah dan Bank Jabar Banten Syariah periode 2015–2024. Data diperoleh dari laporan keuangan triwulanan serta publikasi resmi Bank Indonesia dan Otoritas Jasa Keuangan. Analisis menggunakan Panel Vector Error Correction Model (PVECM) untuk menguji hubungan jangka pendek dan jangka panjang, didukung analisis Impulse Response Function dan Variance Decomposition. Hasil penelitian menunjukkan bahwa dalam jangka pendek inflasi, BI-Rate, CAR, FDR, dan BOPO berpengaruh negatif dan signifikan terhadap NPF, sedangkan nilai tukar tidak signifikan. Dalam jangka panjang, inflasi, nilai tukar, dan CAR berpengaruh positif dan signifikan terhadap NPF, sementara BI-Rate, FDR, dan BOPO tidak signifikan. Variance Decomposition menunjukkan bahwa BOPO merupakan faktor paling dominan dalam fluktuasi NPF

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Published

2026-05-06

How to Cite

Rohmah, A. R., & M. Fadlillah Fauzulkhaq. (2026). Pengaruh Inflasi, BI Rate, Kurs, CAR, FDR, BOPO Terhadap Non Performing Financing pada Bank KB Bukopin Syariah dan Bank Jabar Banten Syariah Periode 2015 - 2024. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 11(2). https://doi.org/10.30651/jms.v11i2.30756

Issue

Vol. 11 No. 2 (2026)

Section

Artikel

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