Analisis Pembiayaan Mudharabah Bank Pembiayaan Rakyat Syariah Terhadap Nonperforming Financing di Indonesia Tahun 2015-2020

andiman andiman, Agus Widardjono

Abstract


This study aims to analyze the effect of the type of financing on the Non-Performing Financing (NPF) of Islamic People's Financing Banks in Indonesia for the 2015-2019 period. The research method used is panel data regression with the Fixed Effect model as the recommended model based on the results of the model selection test. The results showed that the Log Mudharabah variable had a negative effect on the Non Performing Financing of Islamic Rural Banks. Mudharabah Log, Non Performing Financing


Keywords


Log Mudharabah; Non Performing Financing

Full Text:

PDF

References


Akbar, Dinul Alfian. “Inflasi, Gross Domesctic Product (Gdp), Capital Adequacy Ratio (Car), Dan Finance To Deposit Ratio (Fdr) Terhadap Non Performing Financing (Npf) Pada Bank Umum Syariah Di Indonesia.” I-Economics 2, no. 2 (2016): 19–37.

Ariffin, Noraini Mohd, Simon Archer, and Rifaat Ahmed Abdel Karim. “Risks in Islamic Banks: Evidence from Empirical Research.” Journal of Banking Regulation 10, no. 2 (2009): 153–163.

Breusch, T. S., and A. R. Pagan. “The Lagrange Multiplier Test and Its Applications to Model Specification in Econometrics.” The Review of Economic Studies 47, no. 1 (1980): 239.

Čihák, Martin, and Heiko Hesse. “Islamic Banks and Financial Stability: An Empirical Analysis.” Journal of Financial Services Research 38, no. 2 (2010): 95–113.

Dar, Humayon a, and John R Presley. “Lack of Profit Loss Sharing in Islamic Banking : Management and Control Imbalances.” International Journal of Islamic Financial Services 2, no. 00 (2000): 9–12.

Effendi, Jaenal, Usy Thiarany, and Tita Nursyamsiah. “Factors Influencing Non-Performing Financing (NPF) at Sharia Banking.” Walisongo: Jurnal Penelitian Sosial Keagamaan 25, no. 1 (2017): 109.

Hafsa Orhan Astrom, Zeyneb. “Credit Risk Management Pertaining to Profit and Loss Sharing Instruments in Islamic Banking.” Journal of Financial Reporting and Accounting 11, no. 1 (2013): 80–91.

Hirukawa, Masayuki. “Specification Testing” 46, no. 6 (2018): 73–101.

Jiménez, Gabriel, and Jesús Saurina. “Collateral, Type of Lender and Relationship Banking as Determinants of Credit Risk.” Journal of Banking and Finance 28, no. 9 (2004): 2191–2212.

Lassoued, Mongi. “Comparative Study on Credit Risk in Islamic Banking Institutions: The Case of Malaysia.” Quarterly Review of Economics and Finance 70 (2018): 267–278.

Louhichi, Awatef, and Younes Boujelbene. “Credit Risk, Managerial Behaviour and Macroeconomic Equilibrium within Dual Banking Systems: Interest-Free vs. Interest-Based Banking Industries.” Research in International Business and Finance 38 (2016): 104–121.

Mercieca, Steve, Klaus Schaeck, and Simon Wolfe. “Small European Banks: Benefits from Diversification?” Journal of Banking and Finance 31, no. 7 (2007): 1975–1998.

Mirakhor, Abbas, and Iqbal Zaidi. “Profit-and-Loss Sharing Contracts in Islamic Finance.” Handbook of Islamic Banking m (2007): 49–63.

Mutamimah, and siti nur zaidah Chasanah. “Analisis Eksternal Dan Internal Dalam Menentukan.” jurnal bisnis dan ekonomi (JBE) 19, no. 1 (2012): 49–64.

OJK, Tim. “Standar Produk Mudharabah” (2017): 1–292.

Osman, Hamdan Bin. “Pengaruh Pembiayaan Mudharabah Dan Musyarakah Terhadap Non Performing Financing (NPF).” Artikel Ilmiah (2013).

Popita, Mares Suci Ana. “Analisis Penyebab Terjadinya Non Performing Financing Pada Bank Umum Syariah Di Indonesia.” Accounting Analysis Journal 2, no. 4 (2013): 404–412.

Putra, Rosyid Nur Anggara. “Karakteristik Pembiayaan Dan Non Performing Finance Perbankan Syariah 2015–2018.” MALIA: Journal of Islamic Banking and Finance 3, no. 1 (2019): 1.

Warninda, Titi Dewi, Irwan Adi Ekaputra, and Rofikoh Rokhim. “Do Mudarabah and Musharakah Financing Impact Islamic Bank Credit Risk Differently?” Research in International Business and Finance 49, no. September 2017 (2019): 166–175.

Widarjono, Agus, M. B.Hendrie Anto, and Faaza Fakhrunnas. “Financing Risk in Indonesian Islamic Rural Banks: Do Financing Products Matter?” Journal of Asian Finance, Economics and Business 7, no. 9 (2020): 305–314.

Zeineb, Ghada Ben, and Sami Mensi. “Does the PLS Paradigm Spur the Islamic Banks Vs Conventional Banks Soundness: Case of the Global Financial Crisis.” Journal of Economics and Development Studies 2, no. 3 (2014): 177–192.

“Ekonometrika Pengantar Dan Aplikasinya Edisi 5 - Agus Widarjono | Shopee Indonesia.” Accessed April 11, 2021. https://shopee.co.id/Ekonometrika-Pengantar-Dan-Aplikasinya-Edisi-5-Agus-Widarjono-i.3813657.1658609173.

SNAPSHOT PERBANKAN SYARIAH INDONESIA 2020, n.d.

“Statistik Perbankan Syariah.” Accessed April 11, 2021. https://www.ojk.go.id/id/kanal/syariah/data-dan-statistik/statistik-perbankan-syariah/default.aspx.

“Undang-Undang Nomor 21 Tahun 2008 Tentang Perbankan Syariah.” Accessed November 27, 2020. https://www.ojk.go.id/waspada-investasi/id/regulasi/Pages/Undang-Undang-Nomor-21-Tahun-2008-Tentang-Perbankan-Syariah.aspx.




DOI: http://dx.doi.org/10.29300/ba.v6i1.4106

Refbacks

  • There are currently no refbacks.


Copyright (c) 2021 andiman andiman, Agus Widardjono

Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

Indexed by:

 


 

 

Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.