Pengaruh pembiayaan musyarakah dan pembiayaan mudharabah terhadap Non Performing Financing (NPF) pada Bank Umum Syariah (BUS) di Indonesia periode Januari 2015 - Desember 2018

Nurcahyani, Ovia Dwi (2020) Pengaruh pembiayaan musyarakah dan pembiayaan mudharabah terhadap Non Performing Financing (NPF) pada Bank Umum Syariah (BUS) di Indonesia periode Januari 2015 - Desember 2018. Undergraduate (S1) thesis, Universitas Islam Negeri Walisongo Semarang.

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Abstract

Operasional bank Syariah berupa penghimpunan dan penyaluran dana, serta pemberian layanan jasa pada transaksi keuangan tidak luput dari risiko terutama risiko pada penyaluran dana atau biasa disebut dengan pembiayaan bermasalah. Meningkatnya pembiayaan bermasalah pada bank syariah dapat menjadi salah satu faktor penyebab tingginya Non Performing Financing (NPF).
Riset ini dilakukan guna menganalisis bagaimana dan seberapa besar variabel pembiayaan musyarakah dan mudharabah mempengaruhi NPF pada BUS periode 2015-2018 dengan menggunakan data laporan tahunan statistik perbankan syariah. Penggunaan sampel pada riset adalah sebanyak 48 sampel dan dilakukan dengan metode regresi linier berganda dengan pendekatan pendekatan kuantitatif.
Hasil riset menjelaskan bahwa pembiayan musyarakah dan mudharabah secara simultan mempengaruhi meningkatnya NPF secara signifikan sebesar 46,7%, sedangkan 53,3%nya dipengaruhi oleh variabel yang lain yang tidak diikutkan dalam penelitian. Hasil uji t (uji parsial) menjelaskan bahwa pembiayaan musyarakah mempengaruhi meningkatnya NPF secara signifikan dan pembiayaan mudharabah mempengaruhi meningkatnya NPF secara tidak signifikan pada Bank Umum Syariah di Indonesia.

Abstract:

The Islamic bank operational activities as like a funding, landing, and provide services in financial transactions didn’t escape the risk especially financing risk or commonly referred to as problematic financing. The increased problem’s financing in Islamic bank can be the one of the non performing financing (NPF) increasing factor.
This research was conducted aimed at of analyzing the influence of musyarakah and mudharabah financing against of non performing financing in Indonesian’s Islamic commercial bank on 2015-2018 periods which using annual year book Syariah banking. The research carried out using of quantitative approach and multiple linear regression method with number of 48 sample.
The result of the research showed that musyarakah and mudharabah financing has simultaneously significant influence against increasing to non performing financing by 46,7%, it mean that 53,3% non performing financing increased by another factor which were not included in this research. The result of the research also showed that musyarakah financing has partially significant influence against to non performing financing, while mudharabah financing hasn’t partially significant influence against to non performing financing in Indonesian’s Islamic commercial bank on 2015-2018 periods.

Item Type: Thesis (Undergraduate (S1))
Uncontrolled Keywords: Non Performing Financing (NPF); Pembiayaan musyarakah; Pembiayaan mudharabah; Bank umum syariah
Subjects: 200 Religion (Class here Comparative religion) > 290 Other religions > 297 Islam and religions originating in it > 297.2 Islam Doctrinal Theology, Aqaid and Kalam > 297.27 Islam and social sciences > 297.273 Islam and economics
300 Social sciences > 330 Economics > 332 Financial economics > 332.7 Kredit, pembiayaan
Divisions: Fakultas Ekonomi dan Bisnis Islam > 61206 - Perbankan Syariah (S1)
Depositing User: Agus Wayan Yulianto
Date Deposited: 31 Aug 2021 05:36
Last Modified: 31 Aug 2021 05:36
URI: https://eprints.walisongo.ac.id/id/eprint/13210

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