Influence of internal factors and external factors on non performing financing in Islamic Commercial Bank

Alfakhirah, Nadirah Nur and Jaya, Tiara Juliana ORCID: https://orcid.org/0000-0002-7598-7263 (2024) Influence of internal factors and external factors on non performing financing in Islamic Commercial Bank. Al-Intaj: Jurnal Ekonomi dan Perbankan Syariah. ISSN 24768774

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Abstract

This study aims to see the effect of the variables Return on Assets (ROA), Capitai l Adequacy Ratio
(CAR), Operating Costs and Operating Income (OCOI), Financing to Deposit Ratio (FDR),
inflation and Gross Domestic Product (GDP) on Non-Performing Financing (NPF) for Islamic
commercial banks in Indonesia for the 2018-2022 period. This type of research uses quantitative
research methods. The analytical tool used is multiple regression time series analysis using E-views
version 10 software. The sample in this study is Islamic Commercial Banks in Indonesia. The results
showed that simultaneously the variables ROA, CAR, OCOI and FDR had a significant effect on
Non-Performing Financing (NPF), while simultaneously, the variables Inflation and GDP did not
have a significant effect on Non-Performing Financing (NPF). Partially CAR, OCOI, and FDR have
a significant effect on Non-Performing Financing (NPF), whereas ROA, Inflation and GDP have no
effect on Non-Performing Financing (NPF). Internal factor variables have an effect on Non-
Performing Financing (NPF). External factor variables have an effect on Non-Performing
Financing (NPF).

Item Type:	Journal Article
Keywords:	Non Performing Financing, Internal Factors, External Factors
Subjects:	14 ECONOMICS > 1402 Applied Economics > 140207 Financial Economics
Divisions:	Faculty of Economics > Department of Islamic Banking
Depositing User:	Tiara Juliana Jaya
Date Deposited:	28 Oct 2024 14:05

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