Pengaruh Inflasi, Bank Size, CAR, dan FDR terhadap Tingkat NPF Bank Victoria Syariah Tahun 2013-2021 dengan Pendekatan Robust Regression
Abstract
Non Performing Financing shows the level of problem financing in Islamic banks ranging from substandard to non-performing groups caused by bank external and internal factors. The purpose of this study was to determine the effect of external and internal bank factors on the NPF level of Bank Victoria Syariah. The research approach uses a quantitative approach and associative type of research to determine the relationship between inflation, bank size, CAR, and FDR variables on Bank Victoria Syariah's NPF. The sample in this study is Bank Victoria Syariah's quarterly financial reports for 2013 to 2021 including data on NPF, bank size, CAR, and FDR along with published data on Bank Indonesia's inflation from 2013-2021. The process of data analysis using a robust regression analysis-S estimation. The results of this research show that inflation, bank size, and CAR have an influence on NPF. The FDR variable shows no effect on the NPF level of Bank Victoria Syariah.
Full text article
References
Amelia, E. A. (2019). Pengaruh Capital Adequacy Ratio (CAR), Inflasi dan Financing to Deposit Ratio (FDR) terhadap non Performing Financing (NPF) pada Bank Umum Syariah Periode 2015-2017. Jurnal Intelektualita: Keislaman, Sosial Dan Sains, 8(1). https://doi.org/10.19109/intelektualita.v8i1.4223
Arifin, Z. (2009). Dasar-dasar Manajemen Bank Syariah. Azkia Publisher.
Aryani, Y., Anggraeni, L., & Wiliasih, R. (2016). Faktor-faktor yang Memengaruhi Non Performing Financing pada Bank Umum Syariah Indonesia Periode 2010-2014. Al-Muzara’ah, 4(1), 44–60. https://doi.org/10.29244/jam.4.1.44-60
Asiyah, B. N. (2014). Manajemen Pembiayaan Bank Syariah. Teras.
Asnaini, S. W. (2021). Faktor-Faktor Yang Mempengaruhi Non Performing Financing Bank Umum Syariah Di Indonesia. Jurnal Riset Akuntansi Dan Bisnis, 21(1), 264–280. https://doi.org/10.30596/jrab.v21i1.6520
Astrini, K. S., Suwendra, W., & Suwarna, I. K. (2018). Pengaruh CAR, LDR, dan Bank Size terhadap NPL pada Lembaga Perbankan yang Terdaftar di Bursa Efek Indonesia. Bisma: Jurnal Manajemen, 4(1).
Auliani, M. M. (2016). Analisis pengaruh faktor internal dan faktor eksternal terhadap tingkat pembiayaan bermasalah pada bank umum Syariah di Indonesia periode tahun 2010-2014. Diponegoro Journal Of Management, 5(3).
Bank Indonesia. (n.d.). Data Inflasi.
Daniel, F. (2019). Mengatasi Pencilan pada Pemodelan Regresi Linear Berganda dengan Metode Regresi Robust Penaksir LMS. BAREKENG: Jurnal Ilmu Matematika Dan Terapan, 13(3). https://doi.org/10.30598/barekengvol13iss3pp145-156ar884
Djamil, F. (2012). Penyelesaian Pembiayaan Bermasalah di Bank Syariah. Sinar Grafika.
Ismail. (2013). Manajemen Perbankan Dari Teori Menuju Aplikasi. Kencana.
Kadir, R. (2021). Manajemen Risiko Pembiayaan Bank Syariah. Samudra Biru.
Kasmir. (2018). Analisis Laporan Keuangan. PT Raja Grafindo persada.
Muhammad. (2014). Manajemen Dana Bank Syariah. PT Raja Grafindo persada.
Naendhy, & Fadhilah, L. (2018). Pembiayaan Bank Syariah. Munich Personal RePEc Archive, 90855, 1–11.
Nurnasrina dan P Adiyes Putra. (2018). Manajemen Pembiayaan Bank Syariah. Cahaya Firdaus.
PT Bank Victoria Syariah. (2022). Laporan Tahunan 2021 (p. 26). PT Bank Victoria Syariah.
Purnamasari, A. E., & Musdholifah, M. (2018a). Analisis Faktor Eksternal dan Internal Bank terhadap Risiko Pembiayaan Bank Umum Syariah di Indonesia Periode 2012-2015. BISMA (Bisnis Dan Manajemen), 9(1). https://doi.org/10.26740/bisma.v9n1.p13-25
Purnamasari, A. E., & Musdholifah, M. (2018b). Analisis Faktor Eksternal dan Internal Bank terhadap Risiko Pembiayaan Bank Umum Syariah di Indonesia Periode 2012-2015. BISMA (Bisnis Dan Manajemen), 9(1), 13. https://doi.org/10.26740/bisma.v9n1.p13-25
Muzdalifa, I., Rahma, I. A., Novalia, B. G., & Rafsanjani, H. (2018). Peran fintech dalam meningkatkan keuangan inklusif pada UMKM di Indonesia (pendekatan keuangan syariah). Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 3(1), 1-24.
Putri, A. B., Maftuhah, R. A., & Rafsanjani, H. (2023). The Effect of Job Satisfaction and Work Discipline on Employee Performance at BPRS Bhakti Sumekar Sumenep. Perisai: Islamic Banking and Finance Journal, 7(2), 177-197.
Rafsanjani, H. (2022). Analisis Praktek Riba, Gharar, dan Maisir Pada Asuransi Konvensional dan Solusi dari Asuransi Syariah. Maqasid: Jurnal Studi Hukum Islam, 11(1).
Rafsanjani, H. (2022). Confirmatory Factor Analysis (CFA) untuk Mengukur Unidimensional Indikator Pilar Pengembangan Perbankan Syariah di Indonesia. Jurnal Masharif Al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, 7(2).
Rafsanjani, H. (2022). Peran Dewan Pengawas Syariah (DPS) Pada Lembaga Keuangan Syariah (Pendekatan Psikologi Sosial). Jurnal Masharif Al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, 6(1), 267-278.
Rafsanjani, H., & Sukmana, R. (2014). Pengaruh perbankan atas pertumbuhan ekonomi: studi kasus bank konvensional dan bank syariah di Indonesia. Jurnal Aplikasi Manajemen, 12(3), 492-502.
Setyo Wira Rizki, Y. D. K. (2019). Analisis Regresi Robust Estimasi-M dengan Menggunakan Pembobotan Bisquare Tukey dan Welsch dalam Mengatasi Data Outlier. Bimaster : Buletin Ilmiah Matematika, Statistika Dan Terapannya, 8(4). https://doi.org/10.26418/bbimst.v8i4.36199
Setyowati, E., Akbarita, R., & Robby, R. R. (2021). Perbandingan Regresi Robust Metode Least Trimmed Square (LTS) dan Metode Estimasi-S pada Produksi Padi di Kabupaten Blitar. Jurnal Matematika UNAND, 10(3). https://doi.org/10.25077/jmu.10.3.329-341.2021
Siringoringo, R. (2017). Analisis Fungsi Intermediasi Perbankan Indonesia (Studi Kasus Bank Umum Konvensional yang Tercatat di BEI Periode 2012-2016). Jurnal Inspirasi Bisnis Dan Manajemen, 1(2). https://doi.org/10.33603/jibm.v1i2.865
Supriyani, I. dan H. S. (2018). Analisis Pengaruh Variabel Mikro dan Makro Terhadap NPF Perbankan Syariah di Indonesia. Ekonomi Syariah, 1(1), 13.
Umiyati, U., & Ana, L. T. (2020). Faktor-Faktor Yang Mempengaruhi Pembiayaan Pada Bank Umum Syariah Devisa Di Indonesia. Jurnal Ekonomi Dan Perbankan Syariah, 5(1), 39–62. https://doi.org/10.46899/jeps.v5i1.165
Wibowo, S. A., & Saputra, W. (2017). Pengaruh Variabel Makro Dan Mikro Ekonomi Terhadap Pembiayaan Bermasalah Pada Bank Syariah Di Indonesia. Jurnal Ilmiah Akuntansi, 2(1), 96–112. https://doi.org/10.23887/jia.v2i1.10040
Yokoyama, E. P., & Mahardika, D. P. K. (2019). Pengaruh Non Performing Financing (NPF), Return On Asset (ROA), dan Financing To Deposit Ratio (FDR) terhadap Capital Adequacy Ratio (CAR). Jurnal Ilmiah MEA (Manajemen, Ekonomi, & Akuntansi), 3(2).
Zulaecha, H. E., & Yulistiana, F. (2020). Pengaruh Capital Adequacy Ratio, Dana Pihak Ketiga, Financing To Deposit Ratio, dan Non Performing Financing terhadap Pembiayaan Murabahah (Pada Bank Umum Syariah Periode 2013 – 2018). COMPETITIVE Jurnal Akuntansi Dan Keuangan, 4(1). https://doi.org/10.31000/c.v4i1.2319
Authors
The Authors submitting a manuscript do so on the understanding that if accepted for publication, copyright of the article shall be assigned to Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah and Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya as publisher of the journal.
Copyright encompasses exclusive rights to reproduce and deliver the article in all form and media, including reprints, photographs, microfilms and any other similar reproductions, as well as translations. The reproduction of any part of this journal, its storage in databases and its transmission by any form or media, such as electronic, electrostatic and mechanical copies, photocopies, recordings, magnetic media, etc., will be allowed only with a written permission from Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah and Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya.
Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya, the Editors and the Advisory Editorial Board make every effort to ensure that no wrong or misleading data, opinions or statements be published in the journal. In any way, the contents of the articles and advertisements published in the Tadarus are sole and exclusive responsibility of their respective authors and advertisers.
Rights of Authors
The Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah And Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya recognize the retention of the following:
- Patent and trademark rights and rights to any process or procedure described in the article.
- The right to photocopy or make single electronic copies of the article for their own personal use, including for their own classroom use, or for the personal use of colleagues, provided the copies are not offered for sale and are not distributed in a systematic way outside of their employing institution (e.g. via an e-mail list or public file server). Posting of an article on a secure network (not accessible to the public) within the author institution is permitted.
- The right, subsequent to publication, to use the article or any part thereof free of charge in a printed compilation of works of their own, such as collected writings or lecture notes.