DETERMINAN BI-RATE, FINANCING TO DEPOSIT RATIO (FDR), CAPITAL ADEQUACY RATIO (CAR), DAN BEBAN OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) TERHADAP NON PERFORMING FINANCING (NPF) PADA BANK UMUM SYARIAH TAHUN 2017-2023

Ainy, Masruroh (2025) DETERMINAN BI-RATE, FINANCING TO DEPOSIT RATIO (FDR), CAPITAL ADEQUACY RATIO (CAR), DAN BEBAN OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) TERHADAP NON PERFORMING FINANCING (NPF) PADA BANK UMUM SYARIAH TAHUN 2017-2023. Diploma thesis, UIN Raden Intan Lampung.

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Abstract

ABSTRAK Tingkat Non-Performing Financing (NPF) di Bank Umum Syariah menjadi perhatian karena dapat mempengaruhi stabilitas keuangan perbankan syariah. Penelitian ini bertujuan untuk menganalisis pengaruh BI-Rate, Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), dan Beban Operasional Pendapatan Operasional (BOPO) terhadap NPF pada Bank Umum Syariah di Indonesia. Penelitian ini menggunakan pendekatan kuantitatif dengan data sekunder yang diperoleh dari laporan keuangan Bank Umum Syariah periode 2017-2023. Metode analisis yang digunakan adalah regresi linier berganda dengan uji asumsi klasik dan uji hipotesis menggunakan perangkat lunak Eviews 9. Sampel penelitian terdiri dari 8 bank yang konsisten terdaftar selama periode penelitian. Hasil penelitian menunjukkan bahwa secara simultan BI-Rate, FDR, CAR, dan BOPO berpengaruh signifikan terhadap NPF. Namun secara parsial, BOPO berpengaruh positif dan signifikan terhadap NPF, sedangkan BI-Rate, FDR, dan CAR tidak berpengaruh terhadap NPF. Temuan ini mengindikasikan bahwa efisiensi operasional lebih berperan dalam meningkatkan atau menurunkan NPF dibandingkan faktor lainnya. Penelitian ini memberikan kontribusi bagi manajemen Bank Umum Syariah dalam memahami faktor utama yang mempengaruhi NPF serta bagi regulator dan akademisi dalam merancang kebijakan perbankan syariah yang lebih efektif. Kata kunci: BI-Rate, BOPO, CAR, FDR, NPF. ABSTRACT The level of Non-Performing Financing (NPF) in Sharia Commercial Banks is a concern because it can affect the financial stability of Islamic banking. This study aims to analyze the influence of BI-Rate, Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), and Operating Expense Operating Income (BOPO) on NPF in Sharia Commercial Banks in Indonesia. This study uses a quantitative approach with secondary data obtained from the financial statements of Sharia Commercial Banks for the 2017-2023 period. The analysis method used is multiple linear regression with classical assumption test and hypothesis test using Eviews 9 software. The study sample consisted of 8 banks that were consistently registered during the study period. The results showed that simultaneously BI-Rate, FDR, CAR, and BOPO had a significant effect on NPF. However, partially, BOPO had a positive and significant effect on NPF, while BI-Rate, FDR, and CAR had no effect on NPF. These findings indicate that operational efficiency plays a greater role in increasing or decreasing NPF than other factors. This study contributes to the management of Islamic Commercial Banks in understanding the main factors affecting NPF as well as for regulators and academics in designing more effective Islamic banking policies. Keywords: BI-Rate, BOPO, CAR, FDR, NPF.

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