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Journal : Jurnal Ilmiah Ekonomi dan Bisnis

MARGIN, PLAFOND PEMBIAYAAN DAN PELAYANAN ACCOUNT OFFICER TERHADAP NON PEFORMING FINANCING Nasfi; Yunimar; Adi Prawira; Eka Febrianti; Asnah
Jurnal Ilmiah Ekonomi Dan Bisnis Vol. 20 No. 2 (2023)
Publisher : Universitas Lancang Kuning

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31849/jieb.v20i2.12408

Abstract

Bank Syariah dalam beroperasional meningkatkan kinerja salah satunya ditentukan oleh faktor atau rasio Non Peforming Financing (NPF). Kinerja NPF dipengaruhi oleh Margin , Plafond dan Pelayanan Account Officer. Tujuan penelitian untuk mengetahui pengaruh Margin Pembiayaan, Plafond Pembiayaan dan Pelayanan Account Officer terhadap Non Peforming Financing (NPF) bank syariah, bank umum syariah dan bank pembiayaan rakyat syariah. Jenis Penelitian Kuantitatif dengan sampel semua perbankan syariah yang beroperasional di Kota Bukittinggi, responden 70 orang dan data dianalisis dengan analisis regresi linear berganda serta waktu penelitian dari Juni sampai Desember 2022. Hasil penelitian, persamaan analisis regeresi linear berganda Y = 7,853 + 0,016X1 + 0,130X2 + 0,647X3, hasil uji F nilai Fhitung 30,940 > Ftabel 2,73, tingkat keyakinan 95% dan signifikan 0,05, disimpulkan pengaruh variabel independen (X1, X2 dan X3) terhadap variabel dependen (Y) dengan simultan. Hasil uji parameter individual menjawab hipotesis pertama diketahui Margin (X1) tidak mempengaruhi NPF secara sifnifikan, jawaban hipotesis kedua dan ketiga, Plafond dan Pelayanan Accoint Officer memiliki pengaruh terhadap NPF perbankan syariah. Islamic banks in their operations improve performance, one of which is determined by the factor or ratio of Non-Performing Financing (NPF). NPF performance is influenced by Margin, Ceiling and Account Officer Services. The aim of the study was to determine the effect of Financing Margins, Financing Ceilings and Account Officer Services on Non-Performing Financing of Islamic banks, Islamic commercial banks and Sharia Rural Bank. Type of Quantitative Research with a sample of all Islamic banking operations in the City of Bukittinggi, 70 respondents and data were analyzed using multiple linear regression analysis and the research time was from June to December 2022. The results of the study, the equation of multiple linear regression analysis, Y = 7.853 + 0.016X1 + 0.130X2 + 0.647X3, F value test results Fcount 30.940 > Ftable 2.73, 95% confidence level and 0.05 significant. concluded the effect of the independent variables (X1, X2 and X3) on the dependent variable (Y) simultaneously. The results of the individual parameter test answer the first hypothesis, it is known that Margin (X1) does not significantly affect NPF, the answers to the second and third hypotheses, Ceiling and Account Officer Services have an influence on NPF of Islamic banking.
Co-Authors Abdul Murad Bin Ahmad Abdul Rosid Adi Perwira Adi Prawira Adi Prawira Agung Budilaksono AHMAD LUTFI Ahmad Lutfi Alfajri, Doni Alizar Hasan Amanda Reskillah Anne Putri Antoni Antoni Antoni Antoni Antoni Antoni Antoni Antoni Asnah Asnah Asnah Asnah Asnah Asnah Asnah Asnah Asnah Asnah Astuti, Ni Luh Gde Sari Dewi Aziz , Zakaria Aziz, Zakaria Daniel Happy Putra DEWI ARIANI Diga Putri Oktaviane Doni Alfajri Eka Febrianti Eka Febrianti Eka Febrianti Eka Febrianti Eka Febrianti Eka Febrianti, Eka Eka, Febrianti Endri, Fauziah Era Sonita Erwin Erwin Erwin Erwin Fafika Nengsih, Yeni Fitri, Sari Handayani Handayani Hartoto Hartoto Hesi Eka Puteri Husni Fuaddi Imran Imran Irwan Muslim Irwan muslim, Irwan muslim Isnanda Mai Yuliza Mai Yuliza Mariko, Suhatri Maskur Arif Meity. L. H. Lado Meri Rahmania Sari Mezi Desri Misneli Misneli Miswardi Miswardi Miswardi Miswardi, Miswardi Moni, Rahmah Nanci Yosepin Simbolon Nofrivul, Nofrivul Nofrivul, Nofrivul Nuri Aslami Okfi Resti Okfi Resti Patria Nagara Perwira, Adi Prawira, Adi Puteri Anggi, Lubis Rahmad Rahmad Rahmad Rahmad Rahmad Rahmad Rahmad Rahmad Rahmad Rahmad Rahmad Rahmad Rahmad Rahman, Muthia Rano Karno Ratmi Yeno Metra Reni, Febrina Reri Anton, Reri Anton Resti, Okfi Rida Rahim Ridzuan Masri Rizda Octaviani Rizda, Octaviani Sabri Sabri Sabri Sabri Sabri Sabri Sabri Sabri Sabri Sabri Sabri Sabri Sabri Sabri Sabri Sabri Sabri Sabri Sabri Sabri Sabri Sabri sandra dewi Saputri, Deni Sari Fitri Sari, Rika Novita Sattar Sattar, Sattar Sofyan, Hady Suharyati Suharyati Suhatman Suhatman, Suhatman Suhatri Mariko Sunny, Milla Permata Susandra, Soni Susanti, Putu Herny Syukri Iska, Syukri Tria Ewilda Wahib Assyahri Y, Amril Yefri Joni Yenty Astari Dewi Yenty Astari Dewi Yulia Marta Yulia, Laila Yunimar Yunimar Yunimar Yunimar Yunimar Yunimar Yunimar YUNIMAR YUNIMAR Zakaria Aziz Zakaria Aziz