Analisis Risiko Pembiayaan Musyarakah Terhadap Pengembalian Pembiayaan Nasabah (Studi Pada PT. Bpr. Syariah Bumi Rinjani Probolinggo)

Abstract

This research aimed to obtain an answer from the problems which is to know how financing risks “musyarakah” that occurs in PT. BPR Syariah Bumi Rinjani Probolinggo and how financing musyarakah against financing the return of PT. BPR Syariah Bumi Rinjani Probolinggo. Research method used descriptive research method. Focus in this research is financing risk musyarakah given to customers by PT. BPR Syariah Bumi Rinjani Probolinggo. Analysis of this research used Non Performing Financing (NPF) and return of musyarakah financing analyzed using the return of financing formula. Based on the research found that the risk of musyarakah financing that given by PT. BPR Syariah Bumi Rinjani Probolinggo got a fluctuation every years. Musyarakah financing which given have a high risk starting from 2008 until 2010. In 2011 risk of musyarakah financing got a decrease compared with 2010. In 2012 the risk of musyarakah financing got a decrease compared with 2012, because amount of musyarakah financing had decrease and return of financing showed that is not good at 2008 until 2010. In 2011 and 2012 the return of financing showed good because of the high rate of return financing musyarakah connected by non performing financing (NPF) Musyarakah compare with the year 2008,2009, and 2010