This study integrates the determinant factors of external and internal factors that affect the Bank BRISyariah Non-Performing Financing (NPF) in the period of Quarter I 2010 to Quarter IV 2017 by using multiple regression analysis. The external variables themselves consist of Inflation Rate, Benchmark Interest Rate/BI Rate, Economic Growth and USD/IDR Exchange Rate while internal factors consist of Return on Assets (ROA), Net Income Margin (NIM), Growth Financing, Financing to Deposit Ratio (FDR), Bank Rating (consisting of Good Corporate Governance, Risk Profile, Profitability and Capital) and NPF Management/NPF handling. Based on this methodology, the results with multiple regression analysis indicate that under existing contracts or financing contracts, the influencing factors are that 1) NPF in murabahah contract is influenced by bank rating -good corporate governance, exchange rate and benchmark interest rate; 2) NPF in ishtisna contract is influenced by bank rating -risk profile, bank rating -good corporate governance, NPF handling and inflation rate; 3) NPF in qardh contract is influenced by bank rating -rentability; 4) NPF in mudharabah/musyarakah contract is influenced by the rate of inflation; 5) NPF in ijarah contract is influenced by bank rating -risk profile, bank rating -good corporate governance, bank rating -rentability, financing growth and inflation rate. This research produces external and internal factors that need to get attention in order to handle non-performing financing based on financing contract better.Abstrak: Penelitian ini mengintegrasikan faktor-faktor penentu berupa faktor eksternal dan internal yang dan Modal) dan Manajemen NPF / Penanganan NPF. Berdasarkan metodologi ini, hasil dengan analisis regresi berganda menunjukkan bahwa berdasarkan akad pembiayaan faktor-faktor yang mempengaruhi non-performing financing adalah 1) NPF pada akad murabahah dipengaruhi oleh tingkat kesehatan bank -tata kelola perusahaan yang baik, nilai tukar dan suku bunga acuan; 2) NPF pada akad ishtisna dipengaruhi oleh tingkat kesehatan bank -profil risiko, peringkat bank -tata kelola perusahaan yang baik, penanganan NPF dan tingkat inflasi; 3) NPF pada akad qardh dipengaruhi oleh tingkat kesehatan bank -rentabilitas; 4) NPF pada akad mudharabah / musyarakah dipengaruhi oleh tingkat inflasi; 5) NPF pada akad ijarah dipengaruhi oleh tingkat kesehatan bank -profil risiko, tingkat kesehatan bank -tata kelola perusahaan yang baik, tingkat kesehatan bank -rentabilitas, pertumbuhan pembiayaan, dan tingkat inflasi. Penelitian ini menghasilkan faktor eksternal dan internal yang perlu mendapat perhatian agar penanganan pembiayaan bermasalah berdasarkan kontrak pembiayaan menjadi lebih baik.Kata kunci: non performing financing, bank syariah, faktor eksternal, faktor internal, akad pembiayaan

Astract

This study aims to determine the strategy for non-performing financing management on financing in Islamic banks based on the economic sector of financing. This study was specifically carried out at the BRI Syariah Bank in the period 2010 to 2017, using the Analytical Hierarchy Process (AHP) in determining its handling strategy with the involvement of nine experts as respondents with the background of three people from Islamic bank practitioners, three people from the profession academics or lecturer staff, and three people from the sharia banking authority or regulator. In the formulation of strategies for handling non-performing financing in financing, it is divided into five levels, namely level 1) goal, level 2) economic sector, level 3) factor, level 4) actor, level 5) program. The results showed that the economic sector that needs attention with a high level of importance is the trade, restaurant and hotel sector with a weight of 0.197, followed by the construction sector with a weight of 0.189 and the industrial sector with a weight of 0.168. An important factor that needs attention regarding non-performing financing is the handling of NPF with a weight of 0.243, followed by bank rating of the bank-a risk profile with a weight of 0.217 and Indonesia's economic growth with a weight of 0.148. The actors who play an important role in handling non-performing financing are directors with a weight of 0.300 followed by work units with a weight of 0.178 and economic conditions with a weight of 0.144. The most important non-performing financing management program is intensive collection with a weight of 0.340, then the restructuring with a weight of 0.312 and collateral sales with a weight of 0.151.

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To be able to achieve the best level of efficiency, the bank must be able to manage the inputs owned and the outputs produced in between. In addition, banks must also be able to manage operational costs and operating income. In this analysis of efficiency is calculation of the ratio between input and output variables. This research is using non-parametric Data Envelopment Analysis (DEA) for bank in Indonesia in group level two (BUKU II) banks which registered at IDX with period of analysis in 2014-2018. To analyze its efficiency by using intermediary and production approach. The sample analysis are taken from all population banks in BUKU II that already go public which consist of two sharia banks and sixteen conventional banks (four Foreign banks, one state-owned bank and eleven national private banks). The results of the study indicate that there are several banks that are able to achieve a level of efficiency both using the intermediation approach and also the production approach. In 2014, there were two Foreign banks that were able to achieve efficiency levels. In 2015, only one Foreign bank was able to achieve efficiency levels. However, in 2016 and 2017 none of the banks was able to reach the level of efficiency. In 2018 there were three banks that were able to achieve a level of efficiency using the intemediation and production approach, namely one sharia bank and two Foreign banks. The results of this study are expected to be useful for evaluating the level of efficiency that occurs in banks in Indonesia