Abstract

The role of banks as financial institutions have never escaped from the credit or financing problems. For Islamic banks, the large amount of funding given to the growing risk of consequences to be borne by the banks concerned. On the other hand, the macroeconomic shocks also have an impact on the financial risk borne by Islamic banking. The purpose of this research is to empirically analyze the effect of macroeconomic conditions (interest rate, GDP, exchange rate, and inflation) on the Non-Performing Ratio (NPF) of Islamic banking in Indonesia in the period January 2009 to December 2015. The data analysis used in this study is Error Correction Model (ECM) of the aggregate data shariah banking in Indonesia.

Highlights

  • The role of banks as financial institutions have never escaped from the credit or financing problems

  • The macroeconomic shocks have an impact on the financial risk borne by Islamic banking

  • The data analysis used in this study is Error Correction Model (ECM) of the aggregate data shariah banking in Indonesia

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Summary

Suku Bunga jumlah mata uang lokal disebut indirect

Tingkat suku bunga merupakan adalah harga salah satu mata uang yang salah satu indikator dalam menentukan dinyatakan­menurut mata uang lainnya apakah seseorang akan melakukan in- (Eiteman, Stonehill, dan Moffet, 2003). Pendapat lain mengatakan bahwa bahwa nilai tukar (exchange rate) adalah bunga selaku harga yang harus dibayar nilai tukar yang menunjukkan jumlah untuk penggunaan modal­di semua pasar­, unit mata uang tertentu yang dapat ditucenderung ke arah keseimbangan­, sehing- kar dengan satu mata uang lain. Dengan ga modal seluruhnya di pasar itu menurut menurunnya nilai tukar rupiah terhadap tingkat bunga sama dengan persediaan- mata uang asing akan mengakibatkan menya yang tampil pada tingkat itu”. Tingkat ningkatnya biaya impor bahan-bahan baku bunga ditetapkan pada titik dimana yang akan digunakan untuk produksi dan tabungan­yang mewakili penawaran modal juga meningkatkan suku bunga.

Pertumbuhan Gross Domestic Inflasi
Hasil Dan Pembahasan Uji Stasioneritas
Uji Kointegrasi indikator bahwa spesifikasi model baik atau
Suku Bunga terhadap NPF Jangka Pendek
GDP terhadap NPF Jangka Pendek
Nilai Tukar terhadap NPF Jangka Pendek
Inflasi terhadap NPF Jangka Pendek
Findings
Daftar Pustaka
Full Text
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