Effect of FDR, NPF and Inflation on the Profitability of Bank BNI Syariah

Zia Firdaus Nuzula*  -  Universitas Islam Bandung, Indonesia

(*) Corresponding Author
DOI: 10.21580/al-arbah.2020.2.2.7261

Purpose - This study aims to determine the effect of the amount of financing, financing problems and inflation on the profitability of Bank BNI Syariah. In addition, it is also to determine what variables have the most influence on the level of profitability.

Method - This study uses secondary data from time series (time series). The research data is sourced from Bank BNI Syariah and BPS from the first quarter of 2011 to the first quarter of 2020. The data analysis method uses the Vector Error Correction Model (VECM) with the Eviews 10 software tool

Result - The results showed that the amount of financing has a positive relationship with the profitability of Bank BNI Syariah. Non-performing financing and inflation have a negative relationship with the profitability of Bank BNI Syariah. Meanwhile, based on the variance decomposition, problematic financing is the variable that provides the largest contribution to the profitability of Bank BNI Syariah.

Implication - The ratio of non-performing financing should be suppressed as much as possible so as not to reduce profitability.

Originality- This study uses the VECM method to determine the factors that affect the profitability of Islamic banks.

 

Keywords: FDR; NPF; inflasi; ROA; VECM.

  1. Abdillah, Muhamad Yusuf, Mighfari Elsha Rabi, R. N. F. (2020). Tawarruq Application in Islamic Banking: A Comparative Study between Malaysia and Indonesia. Al-Arbah: Journal of Islamic Finance and Banking, 2(1), 17–32. https://doi.org/10.21580/al-arbah.v2i1.5540
  2. Adawiyah, A. Z., & Suprihhadi, H. (2017). Pengaruh Modal, Aset, dan Ukuran Perusahaan terhadap Profitabilitas Perbankan. Jurnal Ilmu Dan Riset Manajemen (JIRM), 6(1). http://jurnalmahasiswa.stiesia.ac.id/index.php/jirm/article/view/629
  3. Afendi, A. (2018). Analisis Pengaruh Struktur Kepemilikan Manajerial, Kebijakan Deviden, Profitabilitas dan Ukuran Perusahaan terhadap Struktur Modal Perusahaan (Studi di Bursa Efek Indonesia). In SEGMEN Jurnal Manajemen dan Bisnis (Vol. 14, Issue 2). https://doi.org/10.37729/SJMB.V14I2.5225
  4. Almunawwaroh, M., & Marliana, R. (2018). Pengaruh CAR,NPF dan FDR terhadap Profitabilitas Bank Syariah di Indonesia. Amwaluna: Jurnal Ekonomi Dan Keuangan Syariah, 2(1), 1–17. https://doi.org/10.29313/amwaluna.v2i1.3156
  5. Aryani, Y., Anggraeni, L., & Wiliasih, R. (2016). Faktor-faktor yang Memengaruhi Non Performing Financing pada Bank Umum Syariah Indonesia Periode 2010-2014. Al-Muzara’ah, 4(1), 44–60. https://doi.org/10.29244/jam.4.1.44-60
  6. Aulia, F. (2016). Pengaruh CAR, FDR, NPF, dan BOPO terhadap Profitabilitas (Return on Equity). Diponegoro Journal of Management, 5(1), 1–10. http://ejournal-s1.undip.ac.id/index.php/djom
  7. Cahya Rosyadah, P., Rachmat Arifin, N., Muhtadi, R., & Safik, M. (2020). Factors That Affect Savings In Islamic Banking. Journal of Islamic Finance and Banking, 2(1), 33–46. https://doi.org/10.21580/al-arbah.2020.2.1.5499
  8. Efendy, F., & Fathoni, S. (2019). Pengaruh Rasio Kinerja Bank Terhadap Profitabilitas Industri Bank Umum Syariah di Indonesia. Jurnal Ilmiah Ekonomi Islam, 5(3), 217. https://doi.org/10.29040/jiei.v5i3.655
  9. Effendi, J., Thiarany, U., & Nursyamsiah, T. (2017). Factors Influencing Non-Performing Financing (NPF) at Sharia Banking. Walisongo: Jurnal Penelitian Sosial Keagamaan, 25(1), 109. https://doi.org/10.21580/ws.25.1.1540
  10. Fadli, A. A. Y. (2018). Pengaruh Financing to Deposit Ratio (FDR) dan Non-Performing Financing (NPF) terhadap Bagi Hasil Deposito Mudharabah pada Bank Syariah Mandiri. Jurnal Maksipreneur: Manajemen, Koperasi, Dan Entrepreneurship, 8(1), 98. https://doi.org/10.30588/jmp.v8i1.391
  11. Fatmawati, N. L., & Hakim, A. (2020). Analisis Tingkat Profitabilitas Perbankan Syariah di Indonesia. Jurnal BAABU AL-ILMI: Ekonomi Dan Perbankan Syariah, 5(1), 1. https://doi.org/10.29300/ba.v5i1.3115
  12. Hakiim, N., & Rafsanjani, H. (2016). Pengaruh Internal Capital Adequency Ratio (CAR), Financing To Deposit Ratio (FDR), dan Biaya Operasional Per Pendapatan Operasional (BOPO) dalam Peningkatan Profitabilitas Industri Bank Syariah di Indonesia. Jurnal Aplikasi Manajemen, 14(1), 161–168. https://doi.org/10.18202/jam23026332.14.1.17
  13. Hijriyani, N. Z., & Setiawan, S. (2017). Analisis Profitabilitas Perbankan Syariah di Indonesia sebagai Dampak Dari Efisiensi Operasional. Jurnal Kajian Akuntansi, 1(2), 2579–9975. https://doi.org/10.33603/jka.v1i2.823
  14. Ikhwal, N. (2016). Analisis ROA dan ROE terhadap Profitabilitas Bank di Bursa Efek Indonesia. In Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan (Vol. 1, Issue 2). https://doi.org/10.15548/AL-MASRAF.V1I2.57
  15. Ilahi, A. P., & Afendi, A. (2019). Factors To Influence Employee Performance In Bank Tabungan Negara Sharia Semarang. Journal of Islamic Finance and Banking, 1(1), 1–18. https://doi.org/10.21580/al-arbah.2019.1.1.4108
  16. Jibril, H. T., Ardiansyah, A., Kaluge, D., & Karim, K. (2019). Permintaan Pembiayaan Murabahah Berdasarkan Tingkat Inflasi dan Suku Bunga BI Rate pada Bank Syariah di Indonesia. BISMA, 13(3), 172. https://doi.org/10.19184/bisma.v13i3.11242
  17. Kuswahariani, W., Siregar, H., & Syarifuddin, F. (2020). Analisis NoN Performing Financingg (NPF) Secara Umum dan Segmen Mikro pada Bank Syariah Nasional di Indonesia. Jurnal Aplikasi Manajemen Dan Bisnis, 6(1). https://doi.org/10.17358/jabm.6.1.26
  18. Lidyah, R., Riski, O. S., Yo Putri, D. C., & Agustina, T. (1970). Pengujian Financing to Deposit Ratio (FDR) sebagai Mediasi antara Pembiayaan, Non Performing Financing (NPF) dan Biaya Operasional Pendapatan Operasional (BOPO) terhadap Laba pada Bank Umum Syariah Indonesia. I-Finance: A Research Journal on Islamic Finance, 5(2), 181–200. https://doi.org/10.19109//ifinace.v5i2.4914
  19. Marginingsih, R. (2018). Faktor-Faktor yang Mempengaruhi Profitabilitas Bank Umum Syariah di Indonesia. Jurnal Ecodemica, 2(1), 74–85. https://ejournal.bsi.ac.id/ejurnal/index.php/ecodemica/article/view/2904
  20. Marwini, & Salam, A. N. (2020). E-Money Based Boarding School Cooperative Development Model (Kopontren) As An Sharia Economic Acceleration Effort In Indonesia. AL-ARBAH: Journal of Islamic Finance and Banking, 2(1), 103–117. https://doi.org/10.21580/al-arbah.v2i1.5496
  21. Mashilal. (2020). Risk Of Sharia Banking In Indonesia: Viewed From Types Of Financing. ARBAH: Journal of Islamic Finance and Banking, 2(1), 61–80. https://doi.org/10.21580/al-arbah.v2i1.5669
  22. Maula, H., Saifullah, M., & Zakiy, F. S. (2019). The Influence of Return on Assets, Leverage, Size, and Capital Intensity on Tax Avoidance. In AFEBI Accounting Review (Vol. 4, Issue 01). https://doi.org/10.47312/AAR.V4I01.223
  23. Medyawati, H., & Yunanto, M. (2018). The Effects of FDR, BOPO, and Profit Sharing on The Probability of Islamic Banks in Indonesia. In International Journal of Economics, Commerce and Management United Kingdom: Vol. VI (Issue 5). http://ijecm.co.uk/
  24. Muksal, M. (2018). The Impact of Non-Performing Financing (NPF) to Profitability (Return On Equity) at Sharia Bank in Indonesia. European Journal of Islamic Finance, 0(11). https://doi.org/10.13135/2421-2172/2739
  25. Nihayah, A. Z., & Rifqi, L. H. (2020). Variables Determining For Impairment On Productive Assets In Islamic Banks In Indonesia. AL-ARBAH: Journal of Islamic Finance and Banking, 2(1), 1–16. https://doi.org/10.21580/al-arbah.v2i1.5539
  26. Popita, M. S. A. (2013). Analisis Penyebab Terjadinya Non Performing Financing pada Bank Umum Syariah di Indonesia. Accounting Analysis Journal, 2(4). https://doi.org/10.15294/aaj.v2i4.2884
  27. Prakkasi, & Idris. (2018). Inflasi dalam Perspektif Islam. In Laa Maisyir : Jurnal Ekonomi Islam (Vol. 4, Issue 2). https://doi.org/10.24252/LAMAISYIR.V4I2.4420
  28. Pravasanti, Y. A. (2018). Pengaruh NPF dan FDR Terhadap CAR dan Dampaknya Terhadap ROA Pada Perbankan Syariah Di Indonesia. Jurnal Ilmiah Ekonomi Islam, 4(03), 148. https://doi.org/10.29040/jiei.v4i03.302
  29. Rasyidin, D. (2016). Financing to Deposit Ratio (FDR) sebagai Salah Satu Penilaian Kesehatan Bank Umum Syariah (Study Kasus Pada Bank BJB Syariah Cabang Serang). ISLAMICONOMIC: Jurnal Ekonomi Islam, 7(1). https://doi.org/10.32678/ijei.v7i1.34
  30. Sari, Y. M. (2019). Analisis Tingkat Kesehatan Bank Umum Syariah Sebelum dan Sesudah Terdaftar di BEI. I-Finance: A Research Journal on Islamic Finance, 5(1), 70–84. https://doi.org/10.19109/ifinace.v5i1.3717
  31. Suhirman. (2020). The Future Of Sharia Based Village Business Agencies Religious Response Management Of Village-Owned Enterprises In Central Lombok. AL-ARBAH: Journal of Islamic Finance and Banking, 2(1), 81–102. https://doi.org/10.21580/al-arbah.v2i1.5677
  32. Ubaidillah, U. (2018). Pembiayaan Bermasalah Pada Bank Syariah: Strategi Penanganan Dan Penyelesaiannya. El-Jizya : Jurnal Ekonomi Islam, 6(2), 287–310. https://doi.org/10.24090/ej.v6i2.2042
  33. Vien, R., Aziza, S., & Sofyan, A. (2017). Analisis Pengaruh Dana Pihak Ketiga, Non Performing Financing, Capital Adequacy Ratio, Modal Sendiri dan Marjin Keuntungan terhadap Pembiayaan Murabahah. In JEBI (Jurnal Ekonomi dan Bisnis Islam) (Vol. 2, Issue 1). https://doi.org/10.15548/JEBI.V2I1.63
  34. Wahyudi, R. (2020). Analisis Pengaruh CAR, NPF, FDR, BOPO dan Inflasi terhadap Profitabilitas Perbankan Syariah di Indonesia: Studi Masa Pandemi Covid-19. At-Taqaddum, 12(1), 13. https://doi.org/10.21580/at.v12i1.6093
  35. Watung, R., & Ilat, V. (2016). Pengaruh Return on Asset (ROA), Net Profit Margin (NPM), dan Earning Per Share (EPS) terhadap Harga Saham pada Perusahaan Perbankan di Bursa Efek Indonesia Periode 2011-2015. Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi, 4(2), 518–529. https://doi.org/10.35794/emba.v4i2.13108
  36. Yokoyama, E. P., & Mahardika, D. P. K. (2019). Pengaruh Non Performing Financing (NPF), Return on Asset (ROA), dan Financing to Deposit Ratio (FDR) terhadap Capital Adequacy Ratio (CAR). Jurnal Ilmiah MEA (Manajemen, Ekonomi, & Akuntansi), 3(2), 28–44. https://doi.org/10.31955/mea.vol3.iss2.pp
  37. Yusuf, M. (2017). Dampak Indikator Rasio Keuangan terhadap Profitabilitas Bank Umum Syariah di Indonesia. Jurnal Keuangan Dan Perbankan, 13(2), 141–151. http://journal.ibs.ac.id/index.php/jkp/article/view/53
  38. Zulkarnain, M.-, & Heliyani, H. (2020). Peran Non Performing Financing terhadap Profitabilitas Bank Pembiayaan Rakyat Syariah dengan Inflasi sebagai Variabel Moderasi. EKONOMIKA SYARIAH : Journal of Economic Studies, 4(1), 111. https://doi.org/10.30983/es.v4i1.3305

Open Access Copyright (c) 2021 Zia Firdaus Nuzula
Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

Al-Arbah: Journal of Islamic Finance and Banking
Published by Department of Sharia Banking, Faculty of Islamic Economics and Business, UIN Walisongo Semarang, Indonesia
Jl Prof. Dr. Hamka Kampus III Ngaliyan Semarang 50185
Phone: +62 852-3660-5533
Website: https://febi.walisongo.ac.id/
Email: [email protected]

ISSN: 2716-3946 (Print)
ISSN: 2716-2575 (Online)

This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License

 
apps