The Influence of Internal and External Factors on Non-Performing Financing of Sharia People's Financing Banks (2020–2024)

PENGARUH FAKTOR INTERNAL BANK DAN EKSTERNAL TERHADAP NON-PERFORMING FINANCING BANK PEMBIAYAAN RAKYAT SYARIAH TAHUN 2020-2024

Authors

  • Abdul Gani Amin Politeknik Negeri Bandung
  • Iwan Setiawan

DOI:

https://doi.org/10.30651/jms.v11i4.33045

Abstract

Abstrak

Bank Pembiayaann Rakyat Syariah (BPRS) memegang peran vital dalam perekonomian Indonesia, khususnya dalam mendorong sektor riil melalui pembiayaan untuk sektor UMKM. Sebagai bagian integral dari sistem keuangan syariah nasional, BPRS menghadapi tantangan signifikan dalam manajemen risiko, terutama terkait risiko pembiayaan. Studi ini menganalisis faktor internal=bank, yaitu Financing to1Deposit Ratio dan Capital*Adequacy-Ratio, serta faktor eksternal, termasuk kondisi makroekonomi inflasi dan BI-Rate dan pandemi Covid-19, terhadap risiko pembiayaan bermasalah yang diproksikan dengan Non-Performing+Financing. Dengan menggunakan metode deskriptif kuantitatif dan memanfaatkan data sekunder dari laporan keuangan BPRS, Penelitian ini menggunakan^analisisaregresixdata*panel dengan perangkat lunak EViews 12 untuk menguji pengaruh variabel independen terhadapavariabel terikat. Hasil empiris mengungkapkan bahwa, secara parsial, inflasi dan BI-Rate memiliki pengaruh signifikan terhadap Non-Performing,Financing. Sebaliknya, FDR, CAR, dan Covid-19 secara parsial tidak menunjukkan pengaruh signifikan terhadap NPF.

Kata kunci: Capital-AdequacyRatio,-Financing.to.Deposit-Ratio, Inflation, BI-Rate, Non-Performing*Financing.

Published

2026-08-22

How to Cite

Abdul Gani Amin, & Setiawan, I. (2026). The Influence of Internal and External Factors on Non-Performing Financing of Sharia People’s Financing Banks (2020–2024): PENGARUH FAKTOR INTERNAL BANK DAN EKSTERNAL TERHADAP NON-PERFORMING FINANCING BANK PEMBIAYAAN RAKYAT SYARIAH TAHUN 2020-2024. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 11(4). https://doi.org/10.30651/jms.v11i4.33045

Issue

Vol. 11 No. 4 (2026)

Section

Artikel

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