Rindang Nuri Isnaini Nugrohowati, Syafrildha Bimo
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引用次数: 17

摘要

本研究旨在确定影响印尼农村银行不良融资的内部和宏观经济因素。本研究采用的数据分析方法是面板数据回归,从2012年到2017年每半年抽取54个BPRS样本。研究结果表明,对于印尼BPRS的NPF,总资产变量没有显著影响,CAR和ROA有负显著影响,OER有正显著影响。同时,BI比率和PDRB的宏观经济变量对印尼BPRS的NPF有积极而显著的影响。最后,通货膨胀和失业变量对印尼BPRS的NPF没有影响。
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Analisis pengaruh faktor internal bank dan eksternal terhadap Non-Performing Financing (NPF) pada Bank Perkreditan Rakyat Syariah di Indonesia
This study aims to determine the internal and macroeconomic factors that influence Non-Performing Financing (NPF) of BPRS (Sharia Rural Banks) in Indonesia. Data analysis method used in this study is panel data regression by taking a sample of 54 BPRS from 2012 to 2017 biannually. The results of this study show that toward NPF of BPRS in Indonesia, the variable of Total Asset has no significant effect, CAR and ROA have a negative and significant effect, while OER has a positive and significant effect. Meanwhile, the macroeconomic variables of BI Rate and PDRB have a positive and significant effect toward NPF of BPRS in Indonesia. Lastly, the variables of inflation and unemployment have no effect toward NPF of BPRS in Indonesia.
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发文量
21
审稿时长
10 weeks
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