PENGARUH NON PERFORMING FINANCING (NPF) DAN BAGI HASIL TERHADAP PEMBIAYAAN MUDHARABAH PADA PERBANKAN SYARIAH DI INDONESIA

SUGIARTI, DIAN (2012) PENGARUH NON PERFORMING FINANCING (NPF) DAN BAGI HASIL TERHADAP PEMBIAYAAN MUDHARABAH PADA PERBANKAN SYARIAH DI INDONESIA. S1 thesis, Universitas Negeri Jakarta.

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Abstract

ABSTRACT Dian Sugiarti. 8125082649. The Influence Of Non Performing Financing (NPF) and Profit Sharing to Mudharaba Financing on Islamic Banking Indonesia. Faculty of Economics, States University of Jakarta. 2012. This research conducted to determine how big the influence of Non Performing Financing (NPF) and Profit Sharing either simultaneously or partiallyon to Mudharaba Financing. The resources in this study is the non performing financing ratio, equivalent profit sharing and total mudharaba financing data from Islamic Banking Statistics of Bank Indonesia. The research method used is Expose Facto and analysis Model of the multiple linier regression analysis by the method of OLS (Ordinary Last Square). From the hypothesis tests stated that the F test, the independent variables Non Performing Financing (X1) and Profit Sharing (X2) influence simultaneously on Mudharaba Financing (Y), where F count > F table than Ho is declined and Ha accepted, which means that the overall these factors influence the independent variables simultaneously to Mudharaba Financing, with F count (1201) > F table (2,911) and below the 0.05 significance level is 0.000 which the R square 0.991 or 99.1% and the rest 0,9% explained by other variables not included in the model. Hasil analisis menjelaskan bahwa terdapat pengaruh negatif dan signifikan dari variabel Bagi Hasil (X2) terhadap Pembiayaan Mudharabah (Y) dengan |thitung| 2,355 > ttable 2,040. Sehingga hal ini menunjukkan bahwa variabel Bagi Hasil merupakan variabel yang paling dominan berpengaruh terhadap Pembiayaan Mudharabah, atau dengan kata lain bahwa masyarakat lebih memilih meminjam dana modal usaha di bank syariah ketika ekuivalen bagi hasil rendah. Sedangkan variabel Non Performing Financing (X1) tidak berpengaruh secara signifikan terhadap Pembiayaan Mudharabah (Y). The results of the analysis explains that there are negative and significant influence of the Profit Sharing (X2) on Mudharaba Financing (Y) with t count (2.355) > t table (2.040). Thus indicates that the Profit Sharing Variable is the most dominant influence on Mudharaba Financing . Meanwhile variable Non Performing Financing (X1) had no significant.

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