Main Article Content

Abstract

Purpose – This study aims to analyze the effect of financing diversification using several control variables, namely Z-score, assets, CAR, FDR, BOPO, and to analyze the impact of Covid-19 variables on Non-Performing Financing (NPF) of Islamic Rural Banks (BPRS) in Indonesia.
Methods – The data for BPRS are collected from the BPRS located in West Java Province. The static panel data regression method is used for quarterly data from 2013 to 2022.
Findings – The results of the study indicate that the variables of financing diversification, assets, CAR, and Covid-19 have a significant negative impact on Non-Performing Financing (NPF). The BOPO variable has a significant positive impact on NPF. The Z-score and FDR variables do not have a significant impact on NPF.
Implication – The findings suggest that BPRS, especially those in West Java Province, should reduce high-concentration financing by optimizing Profit and Loss Sharing (PLS) and non-PLS contracts.
Originality – This research introduces the use of financing diversification with the Herfindahl-Hirschman Index (HHI) method, which has been less explored by other researchers.


Abstrak
Tujuan – Penelitian ini bertujuan untuk menganalisis pengaruh diversifikasi pembiayaan dengan menggunakan beberapa variabel kontrol yaitu Z-score, asset, CAR, FDR, BOPO, serta menganalisis terkait pengaruh variabel Covid 19 terhadap Non Performing Financing (NPF) BPRS di Indonesia
Metode – Data BPRS menggunakan jumlah BPRS yang berada di Provinsi Jawa Barat. Metode regresi data panel statis dengan data kuartal tahun 2013 sampai 2022.
Temuan – Hasil dari penelitian adalah variabel diversifikasi pembiayaan, asset, CAR, dan Covid 19 berpengaruh negatif signifikan terhadap Non Performing Financing (NPF). Variabel BOPO berpengaruh positif signifikan terhadap NPF. Variabel Z-score dan FDR tidak berpengaruh terhadap NPF.
Implikasi – Hasil penelitian menunjukkan bahwa BPRS terutama BPRS di Provinsi Jawa Barat harus mengurangi pembiayaan terkonsentrasi tinggi dengan mengoptimalkan kontrak PLS dan non PLS
Orisinalitas – Penelitian ini menggunakan diversifikasi pembiayaan dengan metode Herfindahl-Hirschman (HHI) yang belum banyak digunakan oleh peneliti lain.

Keywords

Diversifikasi pembiayaan BPRS Non Performing Financing (NPF)

Article Details

How to Cite
Hapsari, P. N., & Widarjono, A. (2023). Diversifikasi pembiayaan dan pengaruh Covid-19 terhadap Non Performing Financing (NPF) di Provinsi Jawa Barat Indonesia. Jurnal Kebijakan Ekonomi Dan Keuangan, 2(1), 36–49. https://doi.org/10.20885/JKEK.vol2.iss1.art5

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