Karakteristik Pembiayaan dan Non Performing Finance Perbankan Syariah 2015–2018
Abstract
Each type of contract in financing in a Sharia Bank has different
characteristics. This can not be separated from the type of transaction used in
financing. This study aims to analyze the effect of financing characteristics
based on the contract in the distribution of funds, namely: mudharabah
financing, musyarakah financing, murabahah financing and qardh loans to
financing risk which is proxied by the ratio of non-performing finance (NPF).
The research is a quantitative associative study with the object of a sharia
commercial bank in Indonesia. The sampling technique used a purposive
sampling technique where the number of samples analyzed was 66 consisting
of 11 Islamic Commercial Banks with the period 2011-2016. The analysis
shows that mudharabah financing has a positive effect on NPF, murabahah
financing has a negative effect on NPF. While musyarakah and qardhul hasan
financing does not affect the NPF ratio.
Keywords
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