PENGARUH FAKTOR INTERNAL DAN EKSTERNAL YANG MEMPEMPENGARUHI PEMBIAYAAN BERMASALAH PADA BANK UMUM SYARIAH DI INDONESIA

Abstract

This study aims to answer some questions about the factors that influence the
occurrence of non-performing finanncing at sharia banks in Indonesia. Hypothesis
testing is performed by multiple linear regression analysis to determine the
effect of the internal variables (Growth Capital Financing and adequency
Ratio) and external variables (Gross Domestic Product, Inflation and Exchange
Rate) on the occurrence of non-performing Finanncing (NPF) in Islamic banks
in Indonesia. Sources of data in this study came from Bank Indonesia Bank
Indonesia website. Period examined data starts from March 2008 to December
2012 with a 3-month data collection. The study shows that simultaneous each
factor in the internal and external variables have a significant influence on
the occurrence of NPF at the 5% significance level. But partially, financing
variables, inflation and the exchange rate has no significant effect on the
occurrence of NPF while CAR and GDP variables have a significant influence.