THE EFFECT OF MACROECONOMIC VARIABLES ON NON-PERFORMING FINANCING (NPF) IN ISLAMIC COMMERCIAL BANKS FOR THE PERIOD 2012-2024
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Objective: This study examines the effect of macroeconomic variables, namely inflation, BI Rate, and exchange rate, on Non-Performing Financing (NPF) at Islamic Commercial Banks, specifically Bank Muamalat and BCA Syariah, during the period 2012–2024. Method: The method used is a quantitative approach with multiple linear regression analysis, using secondary data from bank financial reports and the Bank Indonesia website. This study involves 120 data samples related to inflation, BI Rate, and exchange rates. Results: The results show that inflation has a negative regression coefficient on NPF in both banks, but it is not statistically significant. Conversely, the BI Rate shows a positive effect on Bank Muamalat's NPF but is not partially significant, while at BCA Syariah, the BI Rate has a negative effect and is also not significant. Finally, the exchange rate shows a different significant effect; at Bank Muamalat, the impact is not significant, while at BCA Syariah, the exchange rate is proven to have a significant positive effect on NPF. The conclusion of this study is that although inflation and the BI Rate show insignificant effects, the exchange rate significantly affects NPF at BCA Syariah. Novelty: This study provides useful insights for decision makers in the Islamic banking industry to anticipate changes in economic conditions and implies the importance of monitoring macroeconomic variables in managing Islamic bank financial risk.
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