The Effect of Islamic Financing on Financing Risk in Islamic Commercial Banks in Indonesia (Empirical Study on Islamic Commercial Banks in Indonesia 2016-2020)

Sudjono, Sudjono (2022) The Effect of Islamic Financing on Financing Risk in Islamic Commercial Banks in Indonesia (Empirical Study on Islamic Commercial Banks in Indonesia 2016-2020). International Journal of Innovative Science and Research Technology, 7 (6). pp. 1124-1130. ISSN 2456-2165

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Official URL: https://doi.org/10.5281/zenodo.6834173

Abstract

This study was conducted to examine the effect of the Financing Scheme in Islamic Commercial Banks which includes Murabahah, Mudharabah, Musyarakah, and Ijarah financing on Financing Risk or known as Non Performing Loans (NPL) in conventional banks and Non Performing Funding (NPF) in Islamic banks. The variables used in this study are the independent variables consisting of Murabahah, Mudharabah, Musyarakah, and Ijarah, and the dependent variable is the Risk of Financing or Non Performing Financing (NPF). The object used in the study is Islamic Commercial Banks registered with the OJK during the 2016-2020 period. This research is quantitative research of causality with multiple linear regression analysis method. The sample used is Islamic Commercial Banks (BUS) registered with the OJK during the study period. The results of the analysis (1) Murabahah has a positive effect on NPF; (2) Mudharabah has a negative effect on NPF; (3) Musyarakah has a negative effect on NPF; (4) Ijarah has a negative effect on NPF.

Item Type: Article
NIM/NIDN Creators: 0311025901
Uncontrolled Keywords: Financing Scheme, Murabahah, Mudharabah, Musyarakah, Ijarah, Financing Risk.
Subjects: 300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 332 Financial Economics, Finance/Ekonomi Keuangan dan Finansial, Ekonomi Biaya dan Pembiayaan
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 332 Financial Economics, Finance/Ekonomi Keuangan dan Finansial, Ekonomi Biaya dan Pembiayaan > 332.1 Banks/Bank, Perbankan
Divisions: Fakultas Ekonomi dan Bisnis > Manajemen
Depositing User: NAJLA
Date Deposited: 19 Feb 2024 03:36
Last Modified: 19 Feb 2024 03:36
URI: http://repository.mercubuana.ac.id/id/eprint/86216

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