Permodelan Pengaruh NPF Pembiayaan dan Dana Pihak Ketiga terhadap Kinerja BPR Syariah di Jawa Tengah

Abstract

BPR development Sharia increasing cause more BPR Syariah emerging cause a very tight competition between BPR Syariah with each other. The high level of risk generated by the mudaraba financing, Musharaka, or murabaha financing problems can cause or non-performing financing (NPF) for Islamic banks in particular on Sharia BPR. This study aimed to examine the effect of the level of risk financing problems (NPF) of financing, Musharaka, murabaha and third party funds to tigkat profitability BPR Syariah in Central Java. The population in this study is as much as 3 years ie from 2012 to 2014. The analysis method used in this research is multiple linear regression. The results showed that (1) mudharaba financing NPF, musharaka financing NPF, murabaha financing NPF and third-party funds together - together (simultaneously) the effect on the profitability of BPR Shariah; (2) partial test shows that the NPF musyarakah, NPF murabaha financing and third party funds affect the profitability of Islamic; (3) while the NPF mudharaba of financing does not affect the BPR profitability Sharia, because the Bank did not dare to take the risk is very high in the absence of collateral.