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All Journal CAPITAL: JURNAL EKONOMI DAN MANAJEMEN JSHP (Jurnal Sosial Humaniora dan Pendidikan) Abdi: Jurnal Pengabdian dan Pemberdayaan Masyarakat Jurnal Pengabdian pada Masyarakat Ilmu Pengetahuan dan Teknologi Terintegrasi BISMA (Bisnis dan Manajemen) Information Technology Education Journal Jurnal Ilmiah Multidisiplin Indonesia Jurnal Abdimas
Ahmad Saifi Athoillah
Politeknik Negeri Malang
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Prinsip Kehati-hatian dalam Pembiayaan Mudharabah terhadap Non Performing Financing (NPF) pada Bank Syariah Indonesia Periode 2020-2024 Mufidatus Sofiyah; Dion Yanuarmawan; Ahmad Saifi Athoillah; Nur Vita Opu
JSHP ( Jurnal Sosial Humaniora dan Pendidikan) Vol. 10 No. 2 (2026)
Publisher : Pusat Penelitian dan Pengabdian kepada Masyarakat Politeknik Negeri Balikpapan.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32487/hap1zs32

Abstract

Mudharabah financing is one of financing types at Bank Syariah Indonesia (BSI). This financing is related to wadi'ah yad dhamanah which has meaning that the owner of the capital (shahibul maal) authorizes the fund manager (mudharib) to manage the deposited funds and BSI acts as intermediary. Financing distribution has the risk of Non Performing Financing (NPF) so the prudential principle must be implemented. The purpose of this study is to analyze and examine the effect of prudential principle on the structure and financing type aspects in the form of profit margins and the term of mudharabah financing determinations on NPF at BSI. This study used quantitative method with explanatory research type. Literature studies and documentation studies were used to obtain secondary data in the form of BSI's annual financial statements in 2020-2024. The analysis techniques which were used were descriptive and inferential statistics included normality test, multicollinearity, heteroscedasticity, autocorrelation, determination coefficient, t-test, and F-test. The study results showed that the determination of profit margins and the term of mudharabah financing did not have direct and significant impact on NPF at BSI in 2020-2024 period. This because there were other factors that were more dominant in influencing NPF such as customer selection, supervisory systems and bank risk management. The results of this study were useful as bank evaluation toward other more complex non-financial aspects to minimize NPF ratio.
Co-Authors Abidatul Izzah Abidatul Izzah Asmoro, Wiwiek Kusumaning Bunasor Sanim Dion Yanuarmawan Dion Yanuarmawan Dion Yanuarmawan Dion Yanuarmawan Dwi Rahma Fitriani Dwi Rahma Fitriani Ellya Nurfarida Elmi Rakhma Aalin Eti Putranti Firdaus, Muhammad Firdaus Fitria Nur Hamidah Hadi Rahmad Mohamad Arief Setiawan Mufidatus Sofiyah Mujahid Wahyu Mutia Tsalitsa Alawia Nur Vita Opu Setiati, Fita Toga Aldila Cinderatama Wiwik Mukholafatul Farida Wiwik Mukholafatul Farida Yohan Bakhtiar Yohan Bakhtiar Yohan Bakhtiar Zulfa Khalida