PENGARUH CAR, ROA, BI 7-DAY RATE, DAN INFLASI TERHADAP NON-PERFORMING FINANCING KPR PADA BANK UMUM SYARIAH PERIODE 2016-2018

Abstract

This study aims to determine the effect of Capital Adequacy Ratio, Return on Assets, BI 7-Day Rate, and Inflation towards Non Performing Financing Mortgages in Islamic commercial banks in Indonesia. The population of this study is the Islamic commercial banks in the period 2015-2019. The sample used is a saturated sample, which uses all Islamic banks as research samples. This research uses a quantitative approach using time series data. All variables use the percentage of growth and show the results of the level stas so that the technique used is Ordinary Least Square (OLS) regression analysis which is processed using E-Views 10 software. The results of this study indicate partially the Capital Adequacy Ratio and Return on Assets variables have a negative influence significant to NPF KPR. While BI 7-Day Rate and Inflation variables do not have an influence on NPF KPR. Even so, the Capital Adequacy Ratio, Return on Assets, BI 7-Day Rate, and Inflation variables simultaneously have a significant effect on the Non Performing Financing of Mortgages in Islamic commercial banks in Indonesia in the 2015-2019 period.Keywords: Capital Adequacy Ratio (CAR), Return on Assets (ROA), Inflasi, Kurs, Non Performing Financing (NPF), Home Ownership Loan