Determinants of Non-Performing Financing of Mortgage in Islamic Commercial Banks

International Journal of Islamic Business and Economics (IJIBEC)

Dina Fitrisia Septiarini¹  Rofadatul Hasanah¹  Dian Filianti¹ 

[1] Islamic Economics, Faculty of Economics and Business, Universitas Airlangga, Indonesia;

关键词: microeconomics;    macroeconomics;    non performing financing;    home ownership loan;   

DOI  :  https://doi.org/10.28918/ijibec.v4i2.2725

来源: DOAJ

【 摘 要 】

ThisstudyaimstodeterminetheeffectofCapitalAdequacyRatio, Return on Assets, BI 7-Day Rate, and Inflation towards Non-Performing FinancingMortgages in Islamiccommercialbanks in Indonesia.The populationofthisstudyistheIslamiccommercialbanks in theperiod 2015-2019.Thesampleused is asaturatedsample,whichusesall Islamicbanksasresearchsamples.Thisresearchusesaquantitative approachusingtimeseriesdata.Allvariablesusethepercentageof growth and show the results of the level stationary so that the technique used is Ordinary Least Square (OLS) regression analysis which is processed using E-Views 10software. The resultsof this study indicatepartiallytheCapitalAdequacyRatioandReturnonAssets variables have a negative influence significant to Non-Performing FinancingMortgages.WhileBI7-DayRateandInflationvariablesdo not influence Non-Performing Financing Mortgages. Nonetheless, CapitalAdequacyRatio,ReturnonAssets,BI7-DayRate,andInflation simultaneously have a significant effect on the Non-Performing Financing of Mortgages in Islamic commercial banks in Indonesia in the period2015-2019

【 授权许可】

Unknown