PENGARUH PEMBIAYAAN QARDH TERHADAP NPF (Studi Kasus Bank Umum Syariah) Periode 2014-2017

Lusidawati, Nindi and Haris, Helmi (2018) PENGARUH PEMBIAYAAN QARDH TERHADAP NPF (Studi Kasus Bank Umum Syariah) Periode 2014-2017. skripsi thesis, IAIN Surakarta.

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Abstract

Qardh is a financing channeled by a sharia bank withoutexpectationof a reward.Qardh financing is categorized in a mutual aid contract and it’s not a commercial transaction. Although not a commercial product, Qardh financing very important to be applied in a proportional amount because it belongs to the characteristics of sharia banks. This study aims to determine empirically the effect of qardh financing to Non Perfoming Financing (NPF) in sharia banks for the year 2014-2017 and this research is a quantitative research. The population in this study are 13 sharia banks in Indonesia. The method of determining the sample using purposive sampling. The sample used is 7 sharia banks. This research uses secondary data from quarterly financial report that uploaded on each site of sharia bank and processed using spss 20. The result of regression analysis shows that the variable of qardh financing has positive effect on NPF in sharia bank for the year 2014-2017. So that in qardh financing it rises while the NPF falls in this case the Sharia Commercial Bank provides prudential principles before making the financing to customers. So that the occurrence of npf increases it is very small. Keywords: Qardh financing and non perfoming financing (NPF)

Item Type: Thesis (skripsi)
Subjects: 2x Islam > 2x6 Sosial dan Budaya Islam > 2x6.3 Ekonomi Islam
Divisions: Fakultas Ekonomi dan Bisnis Islam > Perbankan Syariah
Depositing User: Maha siswa
Date Deposited: 20 Dec 2018 02:25
Last Modified: 20 Dec 2018 02:25
URI: http://eprints.iain-surakarta.ac.id/id/eprint/2425

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