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FINANCIAL RATIO MODEL AND APPLICATION OF GOOD CORPORATE GOVERNANCE TO NPL WITH INFLATION AS A MODERATE VARIABLE
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The Non-Performance Financing Ratio (NPF) is a ratio that is a very serious concern
for banks because if this ratio is allowed to continue to increase, it will have an impact on
decreasing profits, which, in turn, will reduce the Bank's financial performance. This study
uses the ratio of Financing To Deposit Ratio, BOPO, and Quality of Implementation of GCG
(Good Coverage Governance) to see its effect on NPF (Non-Performing Financing) with
inflation as a Moderating variable in Islamic Commercial Banks Registered with the
Financial Services Authority for the period 2014 – 2019. The analytical method used is
multiple linear regression, which is processed using Eviews 9. The results show that: The
implementation of GCG is carried out to comply with the applicable rules regarding sharia
bank governance and serves as a reference for shareholders in determining investment
decisions. Good GCG implementation has not been able to suppress the non-performing
financing that occurs because the increase in NPF is caused by other factors that influence it.
The higher the liquidity of third-party funds for financing, moderated by inflation, the higher
the funding non-performing that occurs in Islamic commercial banks. Any increase in the
BOPO, moderated by inflation, does not affect the condition of Non-Performing Financing.
The higher the GCG self-assessment results, moderated by inflation, will lead to higher nonperforming financing in Islamic commercial banks.
MUHAMMAD YUSUF - Personal Name
Siti Nurhayati - Personal Name
MOCHAMMAD ARIF HERNAWAN - Personal Name
ZAENAL ARIEF - Personal Name
INDAH DWI LESTARI - Personal Name
SITI NURYATI - Personal Name
RENIL SEPTIANO - Personal Name
LAYNITA SARI - Personal Name
FATHIHANI - Personal Name
KUMIKO AZIZAH - Personal Name
Siti Nurhayati - Personal Name
MOCHAMMAD ARIF HERNAWAN - Personal Name
ZAENAL ARIEF - Personal Name
INDAH DWI LESTARI - Personal Name
SITI NURYATI - Personal Name
RENIL SEPTIANO - Personal Name
LAYNITA SARI - Personal Name
FATHIHANI - Personal Name
KUMIKO AZIZAH - Personal Name
1532-5806
NONE
electronic file
English
Abacademies
2022
London
Journal of Management Information and Decision Sciences Volume 25, Special Issue 1, 2022
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