PENGARUH TINGKAT INFLASI, TINGKAT MARGIN, DAN NON PERFORMING FINANCE TERHADAP PETUMBUHAN PEMBIAYAAN MURABAHAH BANK SYARIAH DI INDONESIA (Studi Kasus Sebelum dan Disaat Pandemi Covid 19)

INDRI, KUSUMA PUTRI (2022) PENGARUH TINGKAT INFLASI, TINGKAT MARGIN, DAN NON PERFORMING FINANCE TERHADAP PETUMBUHAN PEMBIAYAAN MURABAHAH BANK SYARIAH DI INDONESIA (Studi Kasus Sebelum dan Disaat Pandemi Covid 19). Undergraduate thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Bank sebagai lembaga keuangan yang memiliki banyak aktivitas, memiliki peluang yang sangat luas dalam memperoleh pendapatan (income/return). Dalam menjalankan aktivitasnya dan untuk memperoleh pendapatan, perbankan selalu dihadapkan pada risiko. Risiko yang mungkin terjadi dapat menimbulkan kerugian bagi bank jika tidak dideteksi serta tidak dikelola sebagaimana mestinya. Rumusan masalah dalam penelitian ini adalah apakah tingkat inflasi berpengaruh terhadap pertumbuhan pembiayaan murabahah bank syariah di Indonesia sebelum dan disaat pandemi covid 19. Apakah tingkat margin berpengaruh terhadap pertumbuhan pembiayaan murabahah bank syariah di Indonesia sebelum dan disaat pandemi covid 19. Apakah Non Performing Finance berpengaruh terhadap pertumbuhan pembiayaan murabahah bank syariah di Indonesia sebelum dan disaat pandemi covid 19. Bagaimana pengaruh tingkat inflasi, tingkat margin, dan Non Performing Finance terhadap pertumbuhan pembiayaan murabahah bank syariah di Indonesia sebelum dan disaat pandemi covid 19 secara parsial dan simultan. Bagaimana tingkat inflasi, tingkat margin, dan Non Performing Finance terhadap pertumbuhan pembiayaan murabahah dikaji dalam perspektif islam. Penelitian ini bertujuan untuk mengetahui pengaruh tingkat inflasi, tingkat margin, dan Non Performing Finance terhadap pertumbuhan pembiayaan murabahah bank syariah di Indonesia sebelum dan disaat pandemi covid 19. Metode penelitian dalam penelitian ini menggunakan metode penelitian kuantitaif deskriptif. Dimana objek penelitian ini mencakup 13 Bank Umum Syariah dan 21 Unit Usaha Syariah. Data margin, Non Performing Finance dan pembiayaan murabahah didapatkan dari website resmi Otoritas Jasa Keuangan dan data Inflasi didapatkan dari website resmi Bank Indonesia . Hasil penelitian ini menunjukkan bahwa tingkat inflasi berpengaruh negatif signifikan terhadap pertumbuhan pembiayaan murabahah bank syariah di Indonesia. Tingkat margin berpengaruh positif signifikan terhadap pertumbuhan pembiayaan murabahah bank syariah di Indonesia. Dan Non Performing Finance berpengaruh positif signifikan terhadap pertumbuhan pembiayaan murabahah bank syariah di Indonesia. Kesimpulan dalam penelitian ini menunjukkan bahwasanya terdapat pengaruh yang signifikan dengan adanya tingkat inflasi, tingkat margin dan Non Performing Finance Kata Kunci : Tingkat Inflasi, Tingkat Margin, Non Performing Finance, Perbankan Syariah, Pembiayaan Murabahah iii ABSTRACT Banks as financial institutions that have many activities, have very wide opportunities to earn income (income/return). In carrying out its activities and to earn income, banks are always faced with risks. Risks that may occur can cause losses to the bank if it is not detected and not managed properly. The formulation of the problem in this study is whether the inflation rate affects the growth of Islamic bank murabahah financing in Indonesia before and during the covid 19 pandemic. Does the margin level affect the growth of Islamic bank murabahah financing in Indonesia before and during the covid 19 pandemic. Does non-performing finance affect the growth of murabahah financing of Islamic banks in Indonesia before and during the covid 19 pandemic. How did the inflation rate, margin rate, and non�performing finance affect the growth of murabahah financing of Islamic banks in Indonesia before and during the COVID-19 pandemic partially and simultaneously. How the inflation rate, margin level, and non-performing finance on the growth of murabahah financing is studied from an Islamic perspective. This study aims to determine the effect of inflation rates, margin levels, and non-performing finance on the growth of Islamic bank murabahah financing in Indonesia before and during the covid 19 pandemic. The research method in this study used descriptive quantitative research methods. Where the object of this research includes 13 Islamic Commercial Banks and 21 Sharia Business Units. Margin data, Non Performing Finance and murabahah financing were obtained from the official website of the Financial Services Authority and inflation data was obtained from the official website of Bank Indonesia. The results of this study indicate that the inflation rate has a significant negative effect on the growth of murabahah financing of Islamic banks in Indonesia. The level of margin has a significant positive effect on the growth of murabahah financing of Islamic banks in Indonesia. And Non Performing Finance has a significant positive effect on the growth of murabahah financing of Islamic banks in Indonesia. The conclusion in this study shows that there is a significant influence with the inflation rate, margin level and Non-Performing Finance Keywords : Inflation Rate, Margin Level, Non Performing Finance, Islamic Banking, Murabahah Financing

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