Jurnal
PENGARUH NON PERFORMING FINANCING DAN PERSENTASE BAGI HASIL TERHADAP PEMBIAYAAN MUSYARAKAH PADA PT BANK SYARIAH MANDIRI
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Abstract
Non Performing Financing (NPF) and Percentage of Profit Sharing (PBH)
indirectly influence the distribution of Musyarakah financing to Islamic
banking. NPF occurs because the customer is unable to pay installments
from the musyarakah financing that he has received, the inability of the
customer to pay monthly installments is due to the percentage of profit
sharing that is too high. The phenomenon that has been happening to PT
Bank Syariah Mandiri, namely the distribution of funding did not increase
significantly due to an increase in NPF. Based on these thoughts, in this
study a research question was taken to find out what factors would influence
the distribution of funding to PT Bank Syariah Mandiri. Based on this
phenomenon, the distribution of Musyarakah Financing to PT Bank
Syariah Mandiri can be seen from the percentage of revenue sharing that has
increased significantly, while the NPF and Financing have an interrelated
relationship. It can be seen from the Financing data from 2012 to 2014 that
the increase in financing was very small due to the increasing value of the
NPF. The research method used is a quantitative method in which financial
statement data taken through the official website www.syariah.mandiri.co.id
will be processed through SPSS data. The results of the study are: The
development of NPF of Syariah Mandiri Bank during 2012-2014 has
fluctuated, where the percentage of NPF sometimes goes up and sometimes
goes down, the results of statistical tests show Non Performing Financing
(NPF) has a positive and significant influence on the distribution of
Musyarakah Financing to Bank Syariah Mandiri. Because the significance
value is smaller than 0.05. This indicates an increase and decrease in the
amount of Musyarakah financing disbursed is strongly influenced by the
NPF. The development of Bank Syariah Mandiri's Production Sharing
Percentage (PBH) during 2012-2014 sometimes increased and sometimes
decreased, the statistical test results showed that the Production Sharing
Percentage (PBH) had a positive influence and had a significant influence on
the distribution of Musyarakah Financing to Bank Syariah Mandiri.
Because the significance value is smaller than 0.05.