Faktor Makroekonomi dan Mikroekonomi dalam Pembiayaan Bermasalah Bank Syariah di Indonesia

Abstract

Research aims to test the influence of macroeconomic and microeconomic factors in the problem financing of Sharia Bank in Indonesia. The indicators of macroeconomic and microeconomic factors are inflation, BI Rate, CAR and FDR. The indicators of problematic financing of Sharia Bank in Indonesia is NPF. The research method uses a quantitative approach with multiple linear regression analysis techniques. Data used secondary data in the form of a monthly data From The Financial Report of Sharia Commercial Bank and Sharia Business Unit published by Sharia Banking Directorate, Bank Indonesia and the Bank Licensing and Banking Information Department, Indonesia Financial Services Authority through Sharia Banking Statistics Bank Indonesia/Indonesia Financial Services Authority from January 2006 to Juli 2016. The following research results: (1) The model estimate shows its R Square value of 0,319 representing the value of coefficient of determination. This means that 31,90% of the variable variations of the NPF are capable of being described by free variables in this model. The remaining 68,10% is explained by other reasons that do not fit into the model; (2) A regression model on the independent variable simultaneously affects the dependent variable, so that the independent variable regression model can be used to predict the dependent variable; and (3) Inflation and BI Rate significantly influence on NPF, but CAR and FDR have no impact on NPF.