The Influence of Macroeconomic Variables on Non-Performing Finance in Sharia Commercial Banks
DOI:
https://doi.org/10.21111/jiep.v7i1.12299Keywords:
NPF, Exchange Rate, Inflation, OLSAbstract
One of the advantages of the sharia banking business is financing productive sectors that do not contain haram elements. Financing in the micro, small and medium sectors is a sharia banking financing business line, but there is a big risk of bad credit. In recent years, increasing global and domestic economic uncertainty has led to depreciation of the exchange rate, unstable prices of basic commodities, thereby reducing people's purchasing power. This research aims to examine macroeconomic variables such as the exchange rate, inflation and production index as a proxy for GDP towards NPF of sharia banking. The research uses monthly time-series data and the OLS method. The research results show that macroeconomic variables have an influence on NPF. The research implication is that the stability of macroeconomic conditions can maintain people's purchasing power which can influence the NPF level of sharia banking.References
Abdul Rahim. (2021). Interest in the Concepts and Principles of Islamic Economics in Sharia Banking," Al-Iqtishad. Economic Journal , 191.
Apriyana, M., Tanjung, H., & Suprianto, T. (n.d.). THE INFLUENCE OF SHARIA BANK FINANCING AND ECONOMIC GROWTH ON INFLATION IN 2018-2022.
Amin, R. (2024). PERAN DPS DALAM PERLINDUNGAN KONSUMEN TERHADAP KLAUSULA EKSONERASI DI PERBANKAN SYARIAH. Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, 2146-2142.
Fitri, W. (2021). THE INFLUENCE OF SHARIA BANKING INTEGRITY AS A FINANCIAL SECTOR IN IMPROVING THE INDONESIAN ECONOMY DURING THE PANDEMIC. https://www.kemenkeu.go.id/publikasi/siaran-pers/,
Gontor, U. (n.d.). AN EMPIRICAL STUDY ON THE INFLUENCE OF ISLAMIC VALUES ON MONEY DEMAND. Journal of Islamic Economics and Philanthropy (JIEP) …. https://pdfs.semanticscholar.org/4102/1ca8c14aeae3ec751196f980a3e0f975b40e.pdf
Darma, E. S., & Afandi, A. (2021). The Role of Islamic Corporate Governance and Risk Toward Islamic Banking Performance: Evidence from Indonesia. Journal of …. http://download.garuda.kemdikbud.go.id/article.php?article=2287193%5C&val=8104%5C&title=The Role of Islamic Corporate Governance and Risk toward Islamic Banks Performance Evidence from Indonesia
Gontor, U. (n.d.). AN EMPIRICAL STUDY ON THE INFLUENCE OF ISLAMIC VALUES ON MONEY DEMAND. Journal of Islamic Economics and Philanthropy (JIEP) …. https://pdfs.semanticscholar.org/4102/1ca8c14aeae3ec751196f980a3e0f975b40e.pdf
Handayani, E., & Fitriati, N. T. A. (2019). The determinants of Islamic commercial bank profitability in Indonesia during 2012-2018. The International Journal of Business …. https://www.researchgate.net/profile/Erna-Handayani/publication/343961137_The_Determinants_of_Islamic_Commercial_Bank_Profitability_in_Indonesia_during_2012-2018/links/5f49ccd7458515a88b82f380/The-Determinants-of-Islamic-Commercial-Bank-Profitability-in-Indonesia-during-2012-2018.pdf
Hartanto, A., & Samputra, P. L. (2023). Determinants of Non-Performing Financing for Islamic Commercial Banks in Indonesia with a Dynamic Panel Data Approach. Information Sciences Letters. https://www.naturalspublishing.com/download.asp?ArtcID=27504
Husna, N., & Imsar, I. (2023). PENGARUH THIRD PARTY FINANCING, FINANCING TO DEPOSIT RATIO DAN NON PERFORMING FINANCING TERHADAP RETURN ON ASSET DENGAN …. FINANSIA: Jurnal Akuntansi …. https://e-journal.ejournal.metrouniv.ac.id/FINANSIA/article/view/7794
Hussain, A., Khan, M., Rehman, A., Sahib Zada, S., Malik, S., Khattak, A., & Khan, H. (2021). Determinants of Islamic social reporting in Islamic banks of Pakistan. International Journal of Law and Management, 63(1). https://doi.org/10.1108/IJLMA-02-2020-0060
Nugroho, L., Utami, W., & Doktoralina, C. M. (2020). COVID-19 and the Potency of Disruption on the Islamic Banking Performance (Indonesia Cases). International Journal of …. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3710970
Ozili, P. K. (2021). Financial inclusion research around the world: A review. Forum for Social Economics. https://doi.org/10.1080/07360932.2020.1715238
Rai, D. (2022). Islamic Economics and Finance as an Alternative for the Current Economic System in the Context of Covid-19. Journal of Islamic Economics and Philanthropy. https://ejournal.unida.gontor.ac.id/index.php/JIEP/article/view/7395
Sentika, D., Sujadi, E., & Sramigi, E. (2024). Analysis of the Impact of BOPO, FDR, NOM and NPF on ROA of Indonesian Sharia Commercial Banks Registered with the OJK. … Kajian Ekonomi &Bisnis Islam. https://journal-laaroiba.com/ojs/index.php/elmal/article/view/1915
Winarsih, S., Yafiz, M., & Anggraini, T. (2024). The Effect of BOPO, CAR and NPF on the Profit Sharing Rate of Mudharabah Deposits in Sharia Commercial Banks. Journal La Sociale. https://newinera.com/index.php/JournalLaSociale/article/view/1392
