ANALYSIS OF NON PERFORMING FINANCING AT BANK MUAMALAT ON 2013-2020

• Main Author: Matheus Tena Yoel, Eric
• Format: Theses
• Language: Indonesia
• Online Access: https://digilib.itb.ac.id/gdl/view/53479
• Institution: Institut Teknologi Bandung

Non performing financing (NPF) is a sharia bank term for Non Performing Loans (NPL) in conventional banks. Non Performing Loans are loans in which the borrower defaults because he has not made the scheduled payments for a certain period of time. In 2019, the NPF value of Bank Muamalat increased to the limit set by Bank Indonesia. The purpose of this study is to determine what factors affect Bank Muamalat's NPF and to provide recommendations to Bank Muamalat to address the high NPF problem in the midst of an economic situation that is being hit by the Covid 19 pandemic. The analysis method used in this research is to use a regression technique using NPF, ROA, CAR, FDR, Inflation, and Bank Muamalat BI rate data from 2016 to 2020 per quarter. An interview with an employee of the Muamalat bank was also used in this study to provide a practical picture. The results of this study are the variables that have a significant effect on NPF are CAR and ROA. The author recommends several strategies related to the high NPF problem, challenges during the Covid 19 pandemic, and also facing competition with BSI (Bank Syariah Indonesia which is a merger of BRI Syariah, Bank Syariah Mandiri, and BNI Syariah.