ABSTRAK

Peningkatan
nilai Non Performing Financing Bank
Umum Syariah akan mendatangkan ancaman bagi Industri Keuangan Syariah di
Indonesia. Padahal Bank Umum Syariah sebagai gambaran Industri Keuangan Syariah
Indonesia harus terus bersaing dengan Bank Konvensional yang lebih dahulu hadir
di Indonesia. Selain itu, telah terbukanya Masyarakat Ekonomi Asean (MEA)
mengakibatkan bertambahnya peta persaingan Bank Syariah Indonesia dengan Bank
Syariah negara ASEAN lainnya terutama Malaysia. Peningkatan Non Performing Financing harus ditekan
oleh para Manajemen Bank Umum Syariah di Indonesia agar tidak terus bergerak
naik sehingga menenggelamkan Industri Keuangan Syariah Indonesia. Terdapat
beberapa pengaruh seperti Likuiditas Bank dan Variabel Eksternal yang diduga
berpengaruh terhadap Non Performing
Financing Bank Umum Syariah di Indonesia. Tujuan
penelitian ini adalah untuk mengetahui bagaimana pengaruh likuiditas yang
diproksikan dengan Financing to Deposit
Ratio (FDR), Financing to Asset Ratio
(FAR), dan Reserve Requirement (RR)
dan juga pengaruh variabel eksternal seperti inflasi dan nilai tukar terhadap Non Performing Financing (NPF). Untuk
memecahkan masalah tersebut digunakan teknik analisis regresi linear berganda. Penelitian ini dilakukan pada 11 Bank Umum Syariah di Indonesia yang
terdaftar sejak tahun 2012–2015. Berdasarkan hasil analisis, diketahui
bahwa Financing to Deposit Ratio dan Financing to Asset Ratio berpengaruh
positif signifikan terhadap Non
Performing Financing Bank Umum Syariah di Indonesia. Diketahui pula dari
hasil analisis bahwa Reserve Requirement,
Inflasi, dan Nilai Tukar tidak berpengaruh pada Non Performing Financing Bank
Umum Syariah di Indonesia.  
 Kata Kunci: NPF, FDR, FAR, RR, Variabel
Eksternal


ABSTRACT Increasing the value of
Non-Performing Financing Islamic Banks would bring a threat to the Islamic
Finance Industry in Indonesia. Though Islamic Banks as a picture of Indonesian
Islamic Financial Industry must continue to compete with conventional banks
were first present in Indonesia. In addition, it has been the opening of the
Asean Economic Community (AEC) resulted in an increase in the competitive
landscape Bank Syaria Bank Syaria Indonesia with other ASEAN countries,
especially Malaysia. Increased Non Performing Financing should be suppressed by
the Management of Islamic Banks in Indonesia from continuing to move up so that
immerses Financial Industry Syaria in Indonesia. There are several influences
such as the Bank's liquidity and External Variables are supposed to influence
the Non Performing Financing Islamic Banks in Indonesia. The purpose of this
research is to know how to influence liquidity proxied by Financing to Deposit
Ratio, Financing to Asset Ratio and Reserve Requirement and also the influence
of external variables such as inflation and the exchange rate against Non
Performing Financing. To solve these problems used multiple linear regression
analysis. This research was conducted at 11 Islamic Banks in Indonesia
registered since 2012 to 2015. Based on the analysis, it is known that the
Financing to Deposit Ratio and Financing to Asset Ratio significant positive
effect on Non Performing Financing Islamic Banks in Indonesia. Note also of the
results of the analysis that the Reserve Requirement, Inflation, and the
Exchange Rate had no effect on Non Performing Financing Islamic Banks in
Indonesia.


Key words: NPF, FDR,
FAR, RR, External Variable