PENGARUH PIUTANG MURABAHAH, PEMBIAYAAN MUDHARABAH, MUSYARAKAH DAN PINJAMAN QARDH TERHADAP NET OPERATING MARGIN (NOM) SERTA IMPLIKASINYA TERHADAP NON PERFORMING FINANCING (NPF) BANK UMUM SYARIAH PERIODE 2014-2018

  • Munandar A
  • Romli H
  • Zamzam F
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Abstract

This research aims to see the influence of Murabahah receivables, Mudharabah Financing, Musyarakah financing, and Qardh loans against Net Operating Margin (NOM) as well as the implications against Non-Performing Financing (NPF). The research object is the Sharia General Bank in Indonesia from 2014-2018. The sampling method used in this research is purposive sampling with selected samples as many as 10 sharia banks out of 14 sharia public banks. Data were analyzed by using a panel regression analysis model, and it was processed in Eviews 10. The results showed that the Murabahah receivables have a significant and negative effect on Net Operating Margin (NOM), with a coefficient value of-1.08 E-11 and a prob. amounting to 0.0470. Mudharabah financing has a significant and positive effect on Net Operating Margin (NOM), with a coefficient value of 4.98 E-11 and a prob. of 0.0137. Musyarakah financing has a positive effect on Net Operating Margin (NOM), with a coefficient value of 2.97 E-12 and prob. by 0.1579. Qardh loans have a negative effect and not significant to Net Operating Margin (NOM), with a coefficient value of-2.88 E-09 and prob. of 0.4773. Besides, receivables Murabahah, financing Mudharabah, Musyarakah, and Qardh loans have a significant effect on Net Operating Margin (NOM) simultaneously. Net Operating Margin (NOM) significant negative effect on Non-Performing Financing (NPF), with a coefficient value of-0.165482 and prob. of 0.0126Key words: Murabahah, Mudharabah, Musyarakah, Qardh, NOM, NPF

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Munandar, A., Romli, H., & Zamzam, F. (2021). PENGARUH PIUTANG MURABAHAH, PEMBIAYAAN MUDHARABAH, MUSYARAKAH DAN PINJAMAN QARDH TERHADAP NET OPERATING MARGIN (NOM) SERTA IMPLIKASINYA TERHADAP NON PERFORMING FINANCING (NPF) BANK UMUM SYARIAH PERIODE 2014-2018. Jurnal Ecoment Global, 6(1), 45–54. https://doi.org/10.35908/jeg.v6i1.1322

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