Analyze the Effect of Third Party Fund (TPF), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR) and Profit Margin on Murabahah Financing of Sharia Commercial Bank

Author : Putri Saula Hasnadina (Universitas Islam Negeri Syarif Hidayatullah Jakarta), Ade Sofyan Mulazid (Universitas Islam Negeri Syarif Hidayatullah Jakarta)

Abstract : The purpose of this study is to analyze the effect of each variable, Deposits of Third Party Fund (TPF) (X1), Non-Performing Financing (NPF) (X2), Financing to Deposit Ratio (FDR) (X3) and Profit Margin (X4) on Murabahah Financing (Y1).

The population of this study was conducted on eleven Sharia Commercial Banks in Indonesia, namely Bank Muamalat, Bank Victoria Syariah, Bank BRI Syariah, Bank BNI Syariah, Bank Syariah Mandiri, Bank Syariah Mega Indonesia, Bank Panin Syariah, Bank Syariah Bukopin, Bank BCA Syariah and Bank Maybank Syariah Indonesia.

The sample taken was the annual financial report for five periods, namely 2011-2015 periods. The analysis technique used panel data regression analysis was tested by F-test and T-test, with a significant value of 5%.

Based on the results of the T-test and F-test, it can be known that TPF, FDR and Profit Margin simultaneously have a significant positive effect and the NPF partially have no effect of murabahah financing on Sharia Commercial Banks. Adjusted R Square value of 0.275352 indicates that the independent variable could give effect the dependent variable of 0.000429%.

Keywords: Murabahah, Non-Performing Financing, Third Party FundNF

Journal : Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Volume 4 Issue 1 2019

Link : https://journal.febi.uinib.ac.id/index.php/almasraf/article/download/227/249

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