Risiko Pembiayaan Pada Bank Syariah di Indonesia: Tinjauan Atas Pembiayaan Berbasis Bagi Hasil

Abstract

This study aims to analyze the contribution of risk-based financing. The financing risk in this study is measured by non-performance financing .The type of study used is quantitative research with an explanatory approach. The type of data used is secondary data collected by the documentation method. Data analysis using panel data regression analysis. Based on the results of studies that have been carried out, the report taken in this study is profit-sharing financing which has an influence on the risk of financing in Islamic banks in Indonesia. These results indicate that increased financing is based on principles that can reduce the risk of problems. From the results of the study, it is important for Islamic banking banks to take the right policy regarding the distribution of financing with the principle of profit-sharing (mudharabah and musyarakah). In financing with the profit-sharing principle that has a high risk, however, the criteria for syariah commercial banks to comply with the requirements set by the Financial Services Authority can prevent problematic risks.