Pengaruh inflasi, pertumbuhan ekonomi, financing to deposit ratio (FDR) terhadap non performing finance (NPF) pada lembaga keuangan syariah (studi kasus di bank muamalat Indonesia).

Jayanza, Cindy Fitrianita (2024) Pengaruh inflasi, pertumbuhan ekonomi, financing to deposit ratio (FDR) terhadap non performing finance (NPF) pada lembaga keuangan syariah (studi kasus di bank muamalat Indonesia). Undergraduate Thesis thesis, UIN K.H. ABDURRAHMAN WAHID PEKALONGAN.

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Abstract

Non Performing Financing (NPF) merupakan rasio yang menunjukkan rasio antara pembiayaan bermasalah dengan jumlah pembiayaan yang disalurkan oleh bank syariah. Faktor penyebab adanya Non Performing Finance (NPF) yaitu Inflasi, Pertumbuhan Ekonomi serta adanya tingkat Non Performing Finance (FDR). Tujuan dari penelitian ini yaitu untuk menganalisis pengaruh inflasi, pertumbuhan ekonomi, dan Non Performing Finance (FDR) terhadap Non Performing Finance (NPF) di Bank Muamalat Indonesia. Penelitian ini menggunakan pendekatan kuantitatif deskriptif. Penelitian ini menggunakan data sekunder yaitu laporan keuangan triwulan Bank Muamalat Indonesia periode 2015-2022. Sampel penelitian ini menggunakan laporan keuangan Bank Muamalat Indonesia. Dalam penelitian ini menggunakan metode analisis asumsi klasik, linier berganda dan uji hipotesis. Hasil penelitian yang dilakukan menunjukkan bahwa berdasarkan dari hasil uji t bahwa variabel inflasi tidak berpengaruh signifikansi terhadap variabel Non Performing Finance (NPF). Variabel pertumbuhan ekonomi secara parsial tidak berpengaruh signifikan terhadap variabel Non Performing Finance (NPF). Variabel Non Performing Finance (FDR) memiliki nilai signifikansi terhadap variabel Non Performing Finance (NPF). Secara simultan variabel inflasi, pertumbuhan ekonomi dan Non Performing Finance (FDR) berpengaruh terhadap Non Performing Finance (NPF). Kata Kunci : Non Performing Finance (NPF), Inflasi, Pertumbuhan Ekonomi, Non Performing Finance (FDR)   ABSTRACT Jayanza. Cindy Fitrianita. 2024. Pengaruh inflasi, pertumbuhan ekonomi, financing to deposit ratio (FDR) terhadap non performing finance (NPF) pada lembaga keuangan syariah (studi kasus di bank muamalat Indonesia). Non Performing Financing (NPF) is a ratio that shows the ratio between problematic financing and the amount of financing disbursed by sharia banks. The factors causing the NPF are inflation, economic growth and the FDR level. The aim of this research is to analyze the influence of inflation, economic growth and FDR on NPF at Bank Muamalat Indonesia. This research uses a descriptive quantitative approach. This research uses secondary data, namely Bank Muamalat Indonesia's quarterly financial reports for the 2015-2022 period. The sample for this research uses the financial reports of Bank Muamalat Indonesia. This research uses classical assumption analysis methods, multiple linear and hypothesis testing. The results of the research conducted show that based on the results of the t test, the inflation variable has no significant effect on the NPF variable. The partial economic growth variable does not have a significant effect on the NPF variable. The FDR variable has a significance value for the NPF variable. Simultaneously, the variables inflation, economic growth and FDR influence the NPF. Keywords: Non Performing Finance (NPF), Inflation, Economic Growth, Non Performing Finance (FDR)

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