Diterminan Non Perfoming Financing (NPF) pada Industri Bank Pembiayaan Rakyat (BPR) Syariah di Indonesia

Abstract

Determinan Non Performing Financing (NPF) pada Industri Bank Pembiayaan Rakyat (BPR) Syariah Di Indonesia. Penelitian ini bertujuan menguji determinan Non Performing Financing (NPF) pada industri Bank Pembiayaan Rakyat (BPR) syariah di Indonesia. Data berupa laporan keuangan bank pembiayaan rakyat syariah dari triwulan I, tahun 2007 sampai triwulan II, tahun 2014. Sampel yang digunakan sebanyak 163 BPR syariah dari triwulan I, tahun 2007 sampai triwulan II, Tahun 2014 dengan menggunakan teknik analisis regresi berganda. Hasil menunjukkan bahwa variabel Gross Domestic Product (GDP), Tingkat Inflasi (INF), Rasio Pembiayaan Bagi Hasil terhadap Total Pembiayaan (MMR) dan Margin Murababah berpengaruh terhadap Non Performing Financing (NPF), sedangkan Financing to Deposit Ratio (LDR) tidak berpengaruh. The Determinant of Non Performing Financing (NPF) in Indonesian Islamic Rural Bank Industry. The study was conducted to examined the determinant of non-performing finance in Islamic Rural Bank Industry in Indonesia. The study used Islamic Rural Bank financial report of the first quarter of 2007 to the second quarter of 2014. There were 163 Islamic Rural Banks used as sample which was analyzed by multiple regression analysis. The result indicated that Gross Domestic Product (GDP), inflation rate (INF), ratio of the revenue sharing to total financing (MMR), and margin murabahah affected NPF, whereas FDR had no effect to NPF of Islamic Rural Bank in Indonesia