ANALISIS NON PERFORMING FINANCING (NPF) SECARA UMUM DAN SEGMEN MIKRO PADA TIGA BANK SYARIAH NASIONAL DI INDONESIA

NON PERFORMING FINANCING ANALYSIS WITH REGARD TO A GENERAL AND MICRO SEGMENT ON THREE NATIONAL SHARIA BANKS IN INDONESIA

  • Wulandari Kuswahariani Sekolah Bisnis, IPB University
  • Hermanto Siregar Departement Ilmu Ekonomi, Fakultas Ekonomi dan Manajemen, IPB University
  • Ferry Syarifuddin Bank Indonesia Institute, Bank Indonesia

Abstract

Non-Performing Financing (NPF) is one of the indicators in evaluating the performance of sharia banks. The high NPF level indicates the low performance of sharia banks that shows many financing problems. The research objective was to identify the factors that influence NPF with regard to general and micro-segment. NPF value influenced by several factors, both internally and externally, such as Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), Net Operating Margin (NOM), Return On Equity (ROE), inflation, exchange rate, and Gross Domestic Product (GDP). The study used quarterly data from three sharia banks, namely BNI Syariah, BRI Syariah, dan BSM. The methods employed were descriptive analysis and panel data regression. The results showed that FDR, NOM, and ROE were the NPF influencing factors for the general segment. Meanwhile, CAR, NOM, ROA, BOPO, and GDP were the NPF influencing factors for the micro-segment.

Keywords: financing, micro segment NPF, NPF, sharia bank

Abstrak: Non Performing Financing (NPF) merupakan salah satu indikator dalam menilai kinerja bank syariah. Tingkat NPF yang tinggi menunjukkan kinerja bank syariah yang rendah karena banyak terjadi pembiayaan bermasalah. Tujuan penelitian ini adalah mengetahui faktor yang memengaruhi NPF baik pada segmen mikro dan NPF secara umum. Nilai NPF dipengaruhi oleh beberapa faktor antara lain baik dari sisi internal dan eksternal seperti Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), Net Operating Margin (NOM), Return On Equity (ROE), Inflasi, Nilai tukar dan Gross Domestic Product (GDP). Data uang digunakan data triwulan dari 3 bank syariah yaitu BNI Syariah, BRI Syariah dan BSM. Metode yang digunakan dalam penelitian ini yaitu analisis deskriptif dan regresi data panel. Berdasarkan hasil analisis, variabel FDR, NOM dan ROE memiliki pengaruh signfikan negatif terhadap NPF secara umum. Pada NPF segmen mikro, variabel CAR, ROA dan BOPO memiliki pengaruh positif dan signifikan, sedangkan variabel NOM dan GDP memiliki pengaruh negatif dan signifikan.

Kata kunci: bank syariah, NPF, NPF segmen mikro, pembiayaan

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Published
2020-01-25
How to Cite
Kuswahariani, W., Siregar, H., & Syarifuddin, F. (2020). ANALISIS NON PERFORMING FINANCING (NPF) SECARA UMUM DAN SEGMEN MIKRO PADA TIGA BANK SYARIAH NASIONAL DI INDONESIA: NON PERFORMING FINANCING ANALYSIS WITH REGARD TO A GENERAL AND MICRO SEGMENT ON THREE NATIONAL SHARIA BANKS IN INDONESIA. Jurnal Aplikasi Bisnis Dan Manajemen (JABM), 6(1), 26. https://doi.org/10.17358/jabm.6.1.26