An Analysis of Financing Scheme Effect on Non-Performing Financing Asset at Islamic Banks In Indonesia

Aprilianto, Fitrian

doi:10.22219/jes.v5i1.11400

Cited by 7 publications

(12 citation statements)

References 10 publications

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“…This study is in line with the research results of Akram & Rahman (2018) and Kuswahariani et al (2020), which revealed that financing management has a good impact on reducing Islamic bank financing risk. The results of this study are different from the results of studies from Rahmah & Armina (2020) and Aprilianto (2020), who revealed that FDR and financing with musyarakah profit-sharing schemes affect the increased risk of financing.…”

Section: Discussioncontrasting

confidence: 99%

The Impact of Financing Risk on Islamic Banking Performance in Indonesia

Setiawan

2021

SJEKI

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The financing risk is a significant issue in the Islamic banking industry that affects its performance. This research aims to examine the factors that influence financing risk on the financial performance of Islamic banking in Indonesia. This study utilized time-series data quarterly from 2009-2020 collected from three types of Islamic banking in Indonesia: Islamic Commercial Bank (ICB), Islamic Business Unit (IBU), and Islamic Rural Bank (IRB). It was analyzed using multiple regression estimation techniques with the Ordinary Least Square (OLS) method. This study revealed that the Islamic banks’ financing risk is significantly influenced by bank capital, financing, economic growth, inflation, and central bank’ rate (BI rates), both negatively and positively. In detail, the increase of bank capital, financing, and economic growth will reduce the financing risks, whilst inflation and BI rate increase the financing risks. The findings also disclosed that Islamic banks' financial performance is influenced by bank capital, operating costs, financing risks, inflation, and BI rates. Thus, the decrease in bank capital, operational costs, and financing risks will subsequently decrease the financial performance, while the increase of inflation and BI rates will increase the financial performance of Islamic banks. Economic growth is the most influential factor in reducing financing risk, while financing risk is the most significant factor in improving banks’ financial performance. The government's efforts to boost economic growth are crucial to reducing financing risks and improving the financial performance of Islamic banks.==========================================================================================================ABSTRAK – Dampak Risiko Pembiayaan terhadap Kinerja Bank Syariah di Indonesia. Risiko pembiayaan merupakan persoalan utama bagi industri perbankan termasuk perbankan syariah. Tujuan dari penelitian ini adalah untuk menganalisis faktor-faktor yang mempengaruhi risiko pembiayaan dan pengaruhnya terhadap kinerja keuangan perbankan syariah di Indonesia. Objek penelitian meliputi Bank Umum Syariah, Unit Usaha Syariah dan Bank Perkreditan Rakyat syariah. Model analisis menggunakan teknik estimasi regresi berganda dengan menggunakan metode Ordinary Least Square (OLS). Penelitian ini menggunakan data time-series periode kuartalan dari 2009-2020. Hasil penelitian ini menunjukkan bahwa risiko pembiayaan bank syariah dipengaruhi oleh modal bank, pembiayaan, pertumbuhan ekonomi, inflasi dan BI Rate. Hasil ini mengindikasikan bahwa peningkatan modal bank, pembiayaan, dan pertumbuhan ekonomi akan mengakibatkan penurunan risiko pembiayaan, sementara peningkatan inflasi dan BI Rate akan meningkatkan risiko pembiayaan. Selain itu, hasil kajian juga mendapati bahwa kinerja keuangan bank syariah dipengaruhi oleh modal bank, biaya operasional bank, risiko pembiayaan, inflasi dan BI Rate. Secara detil, penurunan modal bank, biaya operasional dan risiko pembiayaan akan meningkatkan kinerja keuangan bank syariah, sementara peningkatan inflasi dan BI Rate akan meningkatkan kinerja keuangan. Faktor yang berpengaruh paling terhadap penurunan risiko pembiayaan adalah pertumbuhan ekonomi. Penurunan risiko pembiayaan merupakan faktor yang berpengaruh paling besar terhadap peningkatan kinerja keuangan perbankan syariah. Upaya pemerintah untuk mendorong pertumbuhan ekonomi merupakan langkah yang sangat strategis mengurangi risiko pembiayaan dan meningkatkan kinerja keuangan perbankan syariah di Indonesia.

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Section: Discussioncontrasting

confidence: 99%

The Impact of Financing Risk on Islamic Banking Performance in Indonesia

Setiawan

2021

SJEKI

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“…Artinya pembiayaan dengan akad mudharabah berpotensi meningkatkan jumlah pembiayaan bermasalah. Sementara studi yang dilakukan oleh Warninda et al, (2019) juga membuktikan bahwa pembiayaan dengan akad musyarakah memiliki risiko, karena berpengaruh positif terhadap pembiayaan bermasalah (Aprilianto, 2020). Demikian halnya dengan studi yang dilakukan oleh Afzal & Hassan (2018) yang juga menunjukkan bahwa faktor risiko adalah salah satu penghambat minimnya penerapan akad mudharabah dalam pembiayaan bank syariah di Pakistan.…”

Section: Sumber: Ojk 2019bunclassified

“…Dengan demikian penyaluran pembiayaan dengan prinsip bagi hasil tidak akan berdampak pada pembiayaan bermasalah, jika syarat-syarat standar yang ditentukan oleh Otoritas Jasa Keuangan dapat dipenuhi. Secara konsep pembiayaan dengan prinsip bagi hasil memang memiliki risiko yang tinggi (Putra, 2019;(Warninda et al, 2019;Aprilianto, 2020). Oleh karena tingginya risiko dalam pembiayaan dengan prinsip bagi hasil, menjadi salah satu penyebab rendahnya jumlah penyaluran pembiayaan dengan prinsip bagi hasil (Afzal & Hassan, 2018).…”

Section: Landasan Teoriunclassified

“…Hasil dari uji regresi dengan pendekatan random effect menunjukkan bahwa pembiayaan yang disalurkan oleh bank umum syariah dengan akad musyarakah memiliki pengaruh negatif, namun tidak signifikan secara statistik. Hasil studi ini tentunya tidak sejalan dengan anggapan bahwa pembiayaan dengan akad musyarakah memiliki risiko, karena berpengaruh positif terhadap pembiayaan bermasalah (Aprilianto, 2020). Kendati secara statistik pembiayaan musyarakah tidak signifikan, namun koefisien yang dihasilkan adalah negatif.…”

Section: Pembiayaan Musyarakah Terhadap Non Performing Financing (Npf)unclassified

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Risiko Pembiayaan Pada Bank Syariah di Indonesia: Tinjauan Atas Pembiayaan Berbasis Bagi Hasil

2020

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This study aims to analyze the contribution of risk-based financing. The financing risk in this study is measured by non-performance financing .The type of study used is quantitative research with an explanatory approach. The type of data used is secondary data collected by the documentation method. Data analysis using panel data regression analysis. Based on the results of studies that have been carried out, the report taken in this study is profit-sharing financing which has an influence on the risk of financing in Islamic banks in Indonesia. These results indicate that increased financing is based on principles that can reduce the risk of problems. From the results of the study, it is important for Islamic banking banks to take the right policy regarding the distribution of financing with the principle of profit-sharing (mudharabah and musyarakah). In financing with the profit-sharing principle that has a high risk, however, the criteria for syariah commercial banks to comply with the requirements set by the Financial Services Authority can prevent problematic risks.

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“…The existence of Islamic banks in addition to conventional banks indicates the start of a new era in the national banking legal system (Kasri, & Kassim, 2009;Ahmad, & Luo, 2010;Farook, Hassan, & Lanis, 2011;Abdullah, Percy & Stewart, 2015), namely the era of the dual banking system. Furthermore, the government has also issued a new regulation specifically regulating sharia banking (Ahmad, & Hassan, (2007;Nicholls, 2010;Alam, Zainuddin, & Rizvi, 2019;Mahdi, 2019;Aprilianto, 2020), namely through the Law of the Republic of Indonesia Number 21 of 2008 concerning Sharia Banking. The existence of support for Islamic banking both from the Muslim community, religious institutions and the government, triggered the development of Islamic banking which was quite rapid (Venardos, 2012;Hanif, 2014;Kammer, et.…”

Section: Introductionmentioning

confidence: 99%

Empirical Determinants of Saving in Islamic Banks at Tasikmalaya City

Fathurrahman

Zulfikar

2020

JES

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This study aims to analyze several factors that influence public interest in saving in Islamic banks in the City of Tasikmalaya. These factors are location, knowledge, facilities, and promotions. This study uses primary data by giving questionnaires to the people of Tasikmalaya City, with a total sample 100 respondents. The method used was Multiple Linear Regression. Based on the analysis that has been done. The results found that the variable of location, knowledge, and promotion have a significant and positive effect on the community’s interest of saving in Islamic banks at Tasikmalaya, but the facility variable have not significant effect on the community’s interest in saving.

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An Analysis of Financing Scheme Effect on Non-Performing Financing Asset at Islamic Banks In Indonesia

Cited by 7 publications

References 10 publications

The Impact of Financing Risk on Islamic Banking Performance in Indonesia

The Impact of Financing Risk on Islamic Banking Performance in Indonesia

Risiko Pembiayaan Pada Bank Syariah di Indonesia: Tinjauan Atas Pembiayaan Berbasis Bagi Hasil

Empirical Determinants of Saving in Islamic Banks at Tasikmalaya City

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