Pengaruh Risiko Pembiayaan terhadap profitabilitas bank syraiah di Indonesia
ABSTRACT
Financing risk is very important within shariah banking risks due to the
incapabilities of borrowers to pay their debt will generate losses towards bank
itself. That’s why this research aims to find out and understand about the
“Financing risk towards Indonesia’s Shariah Bank Profitability”. Panel data
regression is the analysis methodology that used in this research. By using REM,
FEM, Hausman test methodology, the research used secondary data that
available in Shariah Banks Financial Statement on each banks that become the
sample of this research based on overall result of ROA and NPF in a 5 years
period.
The results of this study that the data Non Performing Financing ( NPF )
or financing problems known to fluctuate , with seven Islamic banks which
became the object of research otherwise healthy in the financing category . Then
for data Return on Assets ( ROA ) alone , Bank Syariah Mandiri has an average
total ROA with profit is as high as 1.83% . The latter , that the increase in
financing NPF change will lower the level of ROA . And the value of truth and the
receipt proving the hypothesis " There is a risk of negative effects of financing (
NPF ) to profitability ( ROA ) at Bank Syariah in Indonesia
Keywords : Financing risks, profitabilities.
ABSTRACT
Financing risk is very important within shariah banking risks due to the
incapabilities of borrowers to pay their debt will generate losses towards bank
itself. That’s why this research aims to find out and understand about the
“Financing risk towards Indonesia’s Shariah Bank Profitability”. Panel data
regression is the analysis methodology that used in this research. By using REM,
FEM, Hausman test methodology, the research used secondary data that
available in Shariah Banks Financial Statement on each banks that become the
sample of this research based on overall result of ROA and NPF in a 5 years
period.
The results of this study that the data Non Performing Financing ( NPF )
or financing problems known to fluctuate , with seven Islamic banks which
became the object of research otherwise healthy in the financing category . Then
for data Return on Assets ( ROA ) alone , Bank Syariah Mandiri has an average
total ROA with profit is as high as 1.83% . The latter , that the increase in
financing NPF change will lower the level of ROA . And the value of truth and the
receipt proving the hypothesis " There is a risk of negative effects of financing (
NPF ) to profitability ( ROA ) at Bank Syariah in Indonesia
Keywords : Financing risks, profitabilities.
Financing risk is very important within shariah banking risks due to the
incapabilities of borrowers to pay their debt will generate losses towards bank
itself. That’s why this research aims to find out and understand about the
“Financing risk towards Indonesia’s Shariah Bank Profitability”. Panel data
regression is the analysis methodology that used in this research. By using REM,
FEM, Hausman test methodology, the research used secondary data that
available in Shariah Banks Financial Statement on each banks that become the
sample of this research based on overall result of ROA and NPF in a 5 years
period.
The results of this study that the data Non Performing Financing ( NPF )
or financing problems known to fluctuate , with seven Islamic banks which
became the object of research otherwise healthy in the financing category . Then
for data Return on Assets ( ROA ) alone , Bank Syariah Mandiri has an average
total ROA with profit is as high as 1.83% . The latter , that the increase in
financing NPF change will lower the level of ROA . And the value of truth and the
receipt proving the hypothesis " There is a risk of negative effects of financing (
NPF ) to profitability ( ROA ) at Bank Syariah in Indonesia
Keywords : Financing risks, profitabilities.
ABSTRACT
Financing risk is very important within shariah banking risks due to the
incapabilities of borrowers to pay their debt will generate losses towards bank
itself. That’s why this research aims to find out and understand about the
“Financing risk towards Indonesia’s Shariah Bank Profitability”. Panel data
regression is the analysis methodology that used in this research. By using REM,
FEM, Hausman test methodology, the research used secondary data that
available in Shariah Banks Financial Statement on each banks that become the
sample of this research based on overall result of ROA and NPF in a 5 years
period.
The results of this study that the data Non Performing Financing ( NPF )
or financing problems known to fluctuate , with seven Islamic banks which
became the object of research otherwise healthy in the financing category . Then
for data Return on Assets ( ROA ) alone , Bank Syariah Mandiri has an average
total ROA with profit is as high as 1.83% . The latter , that the increase in
financing NPF change will lower the level of ROA . And the value of truth and the
receipt proving the hypothesis " There is a risk of negative effects of financing (
NPF ) to profitability ( ROA ) at Bank Syariah in Indonesia
Keywords : Financing risks, profitabilities.