PENGARUH PEMBIAYAAN JUAL BELI, SEWA BELI, DAN BAGI HASIL TERHADAP NON PERFORMING FINANCING (NPF) BANK UMUM SYARIAH PERIODE 2017-2022

WIWIN, SAPUTRI (2023) PENGARUH PEMBIAYAAN JUAL BELI, SEWA BELI, DAN BAGI HASIL TERHADAP NON PERFORMING FINANCING (NPF) BANK UMUM SYARIAH PERIODE 2017-2022. Diploma thesis, UIN Raden Intan Lampung.

	PDF Download (4MB)
	PDF Restricted to Repository staff only Download (3MB)

Abstract

ABSTRAK Semua aktivitas bisnis selalu berpotensi memiliki risiko gagal bayar dan return. Demikian pula pada bank umum syariah secara alamiah akan menghadapi peluang risiko dan return. Karena aktivitasnya banyak berhubungan dengan produk-produk bank yang mengandung risiko. Penelitian ini memiliki rumusan masalah yaitu bagaimana pengaruh pembiayaan jual beli, sewa beli dan bagi hasil?. Dengan tujuan menegtahui pengaruh ketiga variabel terhadap non performing financing pada bank umum syariah. Metode penelitian ini adalah deskriptif kuantitatif dengan regresi panel. Perusahaan yang menjadi sampel yaitu 10 bank umum syariah yang terdaftar di OJK periode 2017-2022. Sehingga diperoleh keselurahan data yaitu 60 data. Hasil penelitian menunjukkan bahwa pembiayaan jual beli tidak berpengaruh signifikan terhadap non performing financing dibuktikan dengan hasil uji t nilai probabiliti sebesar 0,4272. Selanjutnya pembiayaan sewa beli tidak berpengaruh positif signifikan terhadap non performing financing dibuktikan dengan hasil uji t nilai probabiliti sebesar 0,8166. Dan pembiayaan bagi hasil tidak berpengaruh positif signifikan terhadap non performing financing dibuktikan dengan hasil uji t nilai probabiliti sebesar 0,8945. Secara simultan ketiga varabel berpengaruh positif dan tidak signifikan terhadap risiko non performing financing dibuktikan dengan hasil uji f yaitu sebesar 0,8362. Kata kunci: Pembiayaan Jual Beli, Pembiayaan Sewa Beli, Pembiayaan Bagi Hasil, Non Performing Financing. ABSTRACT All business activities always have the potential to have risks of default and return. Likewise, sharia commercial banks will naturally face risk and return opportunities. Because many of its activities are related to bank products that contain risks. This research has a problem formulation, namely how is the influence of buying and selling financing, hire purchase and profit sharing? With the aim of finding out the influence of the three variables on non-performing financing in Islamic commercial banks. This research method is quantitative descriptive with panel regression. The sample companies are 10 Islamic commercial banks registered with the OJK for the 2017-2022 period. So that the total data obtained is 60 data. The research results show that buying and selling financing does not have a significant effect on non-performing financing as evidenced by the results of the t test with a probability value of 0.4272. Furthermore, hire purchase financing does not have a significant positive effect on non-performing financing as evidenced by the results of the t test with a probability value of 0.8166. And profit sharing financing does not have a significant positive effect on non�performing financing as evidenced by the results of the t test with a probability value of 0.8945. Simultaneously, the three variables have a positive and insignificant effect on the risk of non-performing financing as evidenced by the f test results, namely 0.8362. Keywords: Sale and Purchase Financing, Hire Purchase Financing, Profit Sharing Financing, Non Performing Financing.

Actions (login required)

View Item