Hardiansyah, Rizki Dwi (2025) ANALISIS PENGARUH VARIABEL MAKRO DAN MIKRO EKONOMI TERHADAP PEMBIAYAAN BERMASALAH PADA BANK UMUM SYARIAH PERIODE 2018-2023. S1 thesis, Universitas Sultan Ageng Tirtayasa.
![[img]](https://eprints.untirta.ac.id/style/images/fileicons/text.png) |
Text
Rizki Dwi Hardiansyah_5554210044_CP.pdf Restricted to Registered users only Download (193kB) |
|
Text (SKRIPSI)
Rizki Dwi Hardiansyah_5554210044_Skripsi_Fullteks.pdf Restricted to Registered users only Download (2MB) |
|
Text (BAB II)
Rizki Dwi Hardiansyah_5554210044_02.pdf Restricted to Registered users only Download (624kB) |
|
Text (BAB III)
Rizki Dwi Hardiansyah_5554210044_03.pdf Restricted to Registered users only Download (460kB) |
|
Text (BAB IV)
Rizki Dwi Hardiansyah_5554210044_04.pdf Restricted to Registered users only Download (584kB) |
|
Text (BAB V)
Rizki Dwi Hardiansyah_5554210044_05.pdf Restricted to Registered users only Download (197kB) |
|
Text
Rizki Dwi Hardiansyah_5554210044_Reff.pdf Restricted to Registered users only Download (243kB) |
|
Text
Rizki Dwi Hardiansyah_5554210044_Lampiran.pdf Restricted to Registered users only Download (899kB) |
|
Text
Rizki Dwi Hardiansyah_5554210044_01.pdf Restricted to Registered users only Download (1MB) |
Abstract
This research aims to analyze the influence of macro and micro factors on non-performing financing (NPF) in Islamic banks. This research aims to analyze the influence of macro and micro factors on non performing financing (NPF) at Sharia commercial banks in Indonesia during the period 2018–2023 as part of efforts to mitigate financing risks. The approach used is quantitative with a purposive sampling method, and data processing is carried out using Eviews software. The data used are secondary data in the form of quarterly financial statements from 2018 to 2023. The results of the partial test (t-test) show that the BI Rate, Inflation, and Unemployment variables do not have a significant effect on NPF. Meanwhile, the world oil price variable has a significant negative effect; the exchange rate, BOPO, and FDR have significant positive effects; and CAR and ROA have significant negative effects on NPF. Simultaneously, the results of the simultaneous analysis using the random effect model show that macro and micro variables significantly affect NPF.
| Item Type: | Thesis (S1) | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Contributors: |
|
|||||||||
| Additional Information: | Penelitian ini bertujuan untuk menganalisis pengaruh faktor - faktor makro dan mikro terhadap Non Performing Financing (NPF) pada bank syariah sebagai penelitian ini bertujuan untuk menganalisis pengaruh faktor-faktor makro dan mikro terhadap Non Performing Financing (NPF) pada Bank Umum Syariah di Indonesia selama periode 2018–2023 sebagai bagian dari upaya mitigasi risiko pembiayaan. Pendekatan yang digunakan adalah kuantitatif dengan metode purposive sampling, dan pengolahan data dilakukan menggunakan perangkat lunak Eviews. Data yang digunakan merupakan data sekunder berupa laporan keuangan triwulanan dari tahun 2018 hingga 2023. Hasil uji parsial (uji t) menunjukkan bahwa variabel BI Rate, Inflasi, dan Pengangguran tidak berpengaruh signifikan terhadap NPF. Sementara itu, variabel Harga Minyak Dunia berpengaruh negatif signifikan, Nilai Tukar, BOPO, dan FDR berpengaruh positif signifikan, serta CAR dan ROA berpengaruh negatif signifikan terhadap NPF. Secara simultan, hasil analisis secara simultan menggunakan Random Effect Model menunjukkan bahwa variabel makro dan mikro berpengaruh signifikan terhadap NPF. | |||||||||
| Uncontrolled Keywords: | Islamic Commercial Bank, Non Performing Financing, Macroeconomic, Microeconomic, World Oil Prices Bank Umum Syariah, Pembiayaan Bermasalah, Makro Ekonomi, Mikro Ekonomi, Harga Minyak Dunia | |||||||||
| Subjects: | A General Works > AS Academies and learned societies (General) A General Works > AS Academies and learned societies (General) |
|||||||||
| Divisions: | 05-Fakultas Ekonomi dan Bisnis 05-Fakultas Ekonomi dan Bisnis > Program Sarjana Ekonomi Syariah |
|||||||||
| Depositing User: | rizki Dwi Hardiansyah | |||||||||
| Date Deposited: | 01 Jul 2025 06:26 | |||||||||
| Last Modified: | 01 Jul 2025 06:26 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/50072 |
Actions (login required)
 |
View Item |