Pengaruh NPF, FDR, CAR dan Inflasi terhadap Penyaluran Pembiayaan Modal Kerja pada BPRS di Indonesia

Abstract

This  research  aims  to  analyze how the independent variables of Non Performing Financing, Financing to Deposit  Ratio, Capital  Adequacy Ratio, and Inflation impact for the Distribution of Working Capital  Financing. Data  analysis  method  is  multiple  regression analysis, data obtained by monthly reports  from  Islamic  Banking  Statistics which published by Indonesia Financial Service Authority (OJK) and Inflation data which published by Indonesia Bank period Jan 2014 until Dec 2018 with the total of 58 data samples. The  result  of  this research  shows that  Non Performing  Financing (NPF) has  a   significant  positif  linear  effect on Working Capital Financing, Financing to Deposit Ratio (FDR)  and  Capital  Adequacy  Ratio (CAR) have significant negative linear effects on Working Capital Financing, while Inflasi had no effect on Working Capital Financing. Concurrently, all the variables have significant effects on Working Capital Financing.