Pengaruh Non Performing Financing Pembiayaan Mudharabah Dan Non Performing Financing Pembiayaan Musyarakah Terhadap Profitabilitas Pada Bank Umum Syariah Di Indonesia

Mulyaningsih, Sri; Fakhruddin, Iwan

doi:10.30595/medek.v16i1.1282

Cited by 7 publications

(7 citation statements)

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“…Bank yang sehat terlihat dari baik tidaknya kemampuan suatu bank dalam mengelola keuangan sehingga mendapatkan keuntungan dan terhindar dari risiko [5]. Selain itu, untuk mencapai keberhasilan bank menjalankan tugas dan fungsinya mengharuskan untuk memperhatikan kualitas aset atau produk yang ditawarkan [6].…”

Section: Pendahuluanunclassified

Analisis Faktor-Faktor yang Memengaruhi Tingkat Non-Performing Financing (NPF) di Bank Umum Syariah Indonesia Periode 2015-2021

Fitri

Sriyana

2023

INFEB

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The development of Islamic banking in Indonesia continues to increase. The Islamic banking industry has a bright future, one of which is supported by most of the Indonesian people who are Muslims so that the market share they have is also large. To maintain its existence, of course, Islamic banking must maintain the trust given by the community to collect and distribute funds back to the community. This study aims to examine the factors that influence the level of Non-performing Financing (NPF) in Islamic Commercial Banks, because the higher the NPF of a bank indicates poor or unhealthy banking performance. This research data is secondary data obtained from the Islamic Banking Statistics (SPS) report on the page of the Financial Services Authority (OJK). The analytical method used is the Vector Error Correction Model (VECM) with the help of an analytical tool, namely E-views.10. The results of this study indicate that in the short term the only significant variable is the NPF variable itself. While in the long term the ASSET variable has a negative and significant effect, the CAR variable has a positive and significant effect on the NPF in BUS. Then, FDR and BOPO have no effect in the long term or in the short term.

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Section: Pendahuluanunclassified

Analisis Faktor-Faktor yang Memengaruhi Tingkat Non-Performing Financing (NPF) di Bank Umum Syariah Indonesia Periode 2015-2021

Fitri

Sriyana

2023

INFEB

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“…Conversely, Mulyaningsih & Fakhruddin (2016) state that the NPF from PLS financing significantly affects the profitability of Islamic commercial banks. This result shows that NPF does not reduce the ability to earn profits but, on the contrary, increases profits.…”

Section: Hypothesismentioning

confidence: 99%

“…The results indicate that NPF can reduce the profitability of Sharia banks in PLS financing. Meanwhile, research conducted by Mulyaningsih & Fakhruddin (2016) states that the NPF from PLS financing significantly and positively affects the profitability of Islamic commercial banks. It means that NPF does not reduce the ability to earn profits.…”

Section: Introductionmentioning

confidence: 99%

Are Sharia Financing Schemes Profitable? The Case of Islamic Rural Banks in Indonesia

Hidayah

Karimah²

2023

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Some studies find that Profit and Loss Sharing/PLS (mudharabah and musyarakah) and non-PLS (murabahah) financing positively affect Islamic banks' profitability, while other studies have found a negative relationship. This study aims to analyze the effect of PLS and non-PLS financing on the performance of Islamic banks, as proxied by the profitability ratio of ROA (Return on Assets) with the Non-Performing Finance (NPF) as a moderating variable on six Islamic Rural Banks (IRBs) using panel regression and moderated regression analysis. It finds that the PLS and non-PLS financing positively and significantly influence the IRBs' profitability. NPF as a moderating variable has weakened the effect of PLS financing on the IRBs' profitability. Meanwhile, NPF strengthens the effect of non-PLS financing on the IRBs' profitability. PLS financing with NPF can reduce the IRBs' profitability, and non-PLS financing with NPF can increase the IRBs' profitability. These findings explain why murabahah is still the dominant financing in Islamic banks. Islamic banks should strive to achieve their ideal form as a profit-sharing financial intermediary to respond to the criticism that there is no substantial difference between Islamic and conventional banks as both rely on fixed returns in the financing, perceived as similar to riba, prohibited in Islam.

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“…(2021) sebagaimana fungsi perbankan dalam menyalurkan pendanaan agar produktif, menjadikan lembaga tersebut salah satu penggerak utama perekonomian. Menurut Mulyaningsih & Fakhruddin (2016) pembiayaan yang disalurkan dan penentuan imbal hasil yang diisyaratkan kepada nasabah bank syariah berlandaskan prinsip pembagian keuntungan. Tingkat profitabilitas suatu bank dapat dipengaruhi salah satunya oleh produk pembiayaan (Siregar, 2015).…”

Section: Pendahuluanunclassified

“…Profitabilitas yang diukur dengan rasio keuangan dapat melihat besarnya keuntungan yang diperoleh suatu bank. Menurut Mulyaningsih & Fakhruddin (2016) rasio profitabilitas dapat menjadi salah satu rasio terpenting yang mampu mendeskripsikan keterkaitan antar faktor dalam laporan finansial. Kondisi keuangan perusahaan dapat dilihat dari aspek kinerja keuangan yang dianalisis melalui rasio profitabilitas menggunakan ukuran Return on Asset (ROA) (Felani, dkk.…”

Section: Pendahuluanunclassified

Pengaruh Jenis Produk Pembiayaan Dan Dana Pihak Ketiga Terhadap Profitabilitas Pada Bank Umum Syariah Indonesia

Aranita

Fakhruddin²,

Pramono³

et al. 2022

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ABSTRAK Penelitian ini bertujuan menguji secara empiris pengaruh pembiayaan mudharabah, musyarakah, murabahah, ijarah, dan dana pihak ketiga terhadap profitabilitas yang diproksikan dengan return on asset pada bank umum syariah yang terdaftar di OJK periode 2017 - 2021. Teknik pengambilan sampel yang digunakan yaitu purposive sampling dengan pooled unbalenced sample. Metode analisis data menggunakan model regresi data panel dengan STATA 17 melalui 3 tahap tes pengujian. Pengujian pertama yaitu preliminary test untuk menentukan model yang dipakai melalui uji breusch and pagan lagrangian multiplier, uji chow, dan uji hausman. Dari hasil preliminary test penelitian ini akan menggunakan model random effect untuk menguji hubungan antar variabel. Pengujian kedua diagnostic test yaitu heteroskedastisitas dan autokorelasi. Dilanjutkan pengujian ketiga yaitu uji hipotesis. Hasil penelitian ini menunjukkan pembiayaan musyarakah dan pembiayaan murabahah masing-masing berpengaruh positif terhadap return on asset. Pembiayaan ijarah dan dana pihak ketiga masing-masing berpengaruh negatif terhadap return on asset. Adapun pembiayaan mudharabah tidak berpengaruh terhadap return on asset. Kata kunci: Mudharabah, Musyarakah, Murabahah, Ijarah, Dana Pihak Ketiga

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Pengaruh Non Performing Financing Pembiayaan Mudharabah Dan Non Performing Financing Pembiayaan Musyarakah Terhadap Profitabilitas Pada Bank Umum Syariah Di Indonesia

Cited by 7 publications

References 0 publications

Analisis Faktor-Faktor yang Memengaruhi Tingkat Non-Performing Financing (NPF) di Bank Umum Syariah Indonesia Periode 2015-2021

Analisis Faktor-Faktor yang Memengaruhi Tingkat Non-Performing Financing (NPF) di Bank Umum Syariah Indonesia Periode 2015-2021

Are Sharia Financing Schemes Profitable? The Case of Islamic Rural Banks in Indonesia

Pengaruh Jenis Produk Pembiayaan Dan Dana Pihak Ketiga Terhadap Profitabilitas Pada Bank Umum Syariah Indonesia

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