PENGARUH INFLASI, BI RATE, FINANCING TO DEPOSIT RATIO (FDR), CAPITAL ADEQUACY RATIO (CAR), BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) TERHADAP NON PERFORMING FINANCING RATIO (NPF) PADA BANK UMUM SYARIAH TAHUN 2016-2023

Lidiya, Afrila (2025) PENGARUH INFLASI, BI RATE, FINANCING TO DEPOSIT RATIO (FDR), CAPITAL ADEQUACY RATIO (CAR), BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) TERHADAP NON PERFORMING FINANCING RATIO (NPF) PADA BANK UMUM SYARIAH TAHUN 2016-2023. Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Pertumbuhan pembiayaan Bank Umum Syariah (BUS) di Indonesia mengalami peningkatan signifikan dalam beberapa tahun terakhir, namun disertai risiko meningkatnya Non Performing Financing (NPF) yang mengancam stabilitas sektor perbankan syariah. Penelitian ini bertujuan untuk menganalisis pengaruh Inflasi, BI Rate, Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), dan Biaya Operasional terhadap Pendapatan Operasional (BOPO) terhadap Non Performing Financing (NPF) pada BUS periode 2016–2023. Metode yang digunakan adalah pendekatan kuantitatif dengan data sekunder agregat dari OJK dan Bank Indonesia. Analisis dilakukan menggunakan regresi linier berganda dengan koreksi HAC untuk mengatasi autokorelasi dan heteroskedastisitas. Hasil menunjukkan bahwa secara simultan seluruh variabel independen berpengaruh signifikan terhadap NPF, namun secara parsial tidak terdapat variabel yang menunjukkan pengaruh signifikan. Nilai Adjusted R² sebesar 92,95% menunjukkan bahwa model memiliki kemampuan prediktif yang sangat kuat. Temuan ini mengindikasikan bahwa risiko pembiayaan bermasalah lebih dipengaruhi oleh kombinasi faktor internal dan eksternal secara kolektif dibanding pengaruh individu. Penelitian ini memberikan kontribusi empiris dalam memahami dinamika risiko NPF dan mendukung penguatan strategi manajemen risiko serta efisiensi operasional pada industri perbankan syariah di Indonesia. ABSTRACT The growth of Islamic Commercial Bank (BUS) financing in Indonesia has increased significantly in recent years, but is accompanied by the risk of increasing Non Performing Financing (NPF) which threatens the stability of the Islamic banking sector. This study aims to analyze the effect of Inflation, BI Rate, Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), and Operating Costs to Operating Income (BOPO) on Non Performing Financing (NPF) in BUS for the period 2016-2023. The method used is a quantitative approach with aggregate secondary data from OJK and Bank Indonesia. The analysis was carried out using multiple linear regression with HAC correction to overcome autocorrelation and heteroscedasticity. The results show that simultaneously all independent variables have a significant effect on NPF, but partially there are no variables that show a significant effect. The Adjusted R² value of 92.95% indicates that the model has a very strong predictive ability. This finding indicates that the risk of non-performing financing is more influenced by a combination of internal and external factors collectively than individual influences. This study provides an empirical contribution in understanding the dynamics of NPF risk and supports the strengthening of risk management strategies and operational efficiency in the Islamic banking industry in Indonesia.

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