Non-Performing Financing (NPF) on Islamic Rural Banks in Indonesia: Bibliometric Analysis and Literature Review

Abstract

Although Islamic Rural Banks (IRBs) have experienced substantial expansion, Non-Performing Financing (NPF) remains a persistent issue. The NPF levels of Indonesian IRBs often exceed the maximum threshold established by Bank Indonesia. This study conducts an extensive bibliometric analysis and literature review of NPF in IRBs in Indonesia. Using Publish or Perish (PoP) software, articles from the Google Scholar database were analyzed. Out of 1,000 articles identified from 2020 to 2024, 35 were deemed relevant and selected for analysis. The data analysis included: (1) Mapping journal publication trends related to NPF in IRBs; (2) Utilizing VOSviewer for bibliometric visualization; and (3) Reviewing research topics on NPF in IRBs through a literature review. The findings provide a comprehensive view of publication timelines, journals, citation rates, authorship, research subjects, and methodologies used. Six primary topics on the effects of NPF and 22 topics on its determinants were identified. This study serves as a valuable reference for future research by presenting potential topics, methodologies, variables, and recommendations for investigating NPF in IRBs.