Keywords
How to Cite
Abstract
The purpose of the study was to determine the effect of the debtor's character (mudharib), the debtor's business ability and debtor's capital on the NPF (Non-Performing Financing) of the Sharia People's Financing Bank (BPRS) headquartered in Agam Regency. This research is a quantitative research with the number of respondents 66 debtors in the city of Bukittinggi and Agam Regency who were randomly selected with data collection techniques using questionnaires. For the analysis tool using Structural Equation Modeling Software based on Partial Least Squere (SEM-PLS).
The results showed that the character of the debtor had a significant positive effect on the NPF of Islamic people's financing banks, the business ability of the debtor had a significant positive effect on the NPF of Islamic people's financing banks and the debtor's capital had a significant effect on the NPF of Islamic people's financing banks, where the proposed hypothesis was accepted. Debtor's character, debtor's business ability and debtor's capital affect Non-Performing Financing in BPRS.
References
Febrianti.E, Asnah, Sabri, Nasfi, N. (2020). The Effect of Lending and Placement of Funds in Other Banks on the Bank’s Ability to Increase Profitability. IJJM Ilomata International Journal of Management, 1(4), 166–176. https://doi.org/https://doi.org/10.52728/ijjm.v1i4.140
Ghozali, I. (2014). SEM Metode Alternatif dengan menggunakan Partial Least Squares (PLS). Semarang: Badan Penerbit Universitas Diponegoro.
Kasmir, D. (2012). Manajemen Perbankan Edisi Revisi. Jakarta: Penerbit PT Raja Grafindo Persada.
Nasfi, N, Sabri, S. (2021). Analisis Bagi Hasil Pembiayaan Pasca Covid-19 Terhadap Permintaan. Jurnal El-Kahfi (Journal of Islamic Economics), 2(2), 21–27. https://doi.org/https://doi.org/10.12345/elkahfi.v2i02.62
Nasfi, N., Iska, S., Nofrivul, N., & Antoni, A. (2019). Financial Sustainability In The Assessment Of The Financial Peformace of West Sumatra Sharia Financing Bank (BPRS). Jurnal Menara Ekonomi: Penelitian Dan Kajian Ilmiah Bidang Ekonomi, 5(1), 51–62. https://doi.org/https://doi.org/10.31869/me.v5i1.1272
Nasfi, N., Marta, Y., & Antoni, A. (2020). Analisis Tingkat Kesehatan Bank Sebelum Dan Sesudah Merger Di Sumatera Barat (Studi Kasus: PT. BPR Rangkiang Aur dengan PT. BPR Rangkiang Denai). Jurnal Menara Ekonomi: Penelitian Dan Kajian Ilmiah Bidang Ekonomi, 6(1), 67–77. https://doi.org/https://doi.org/10.31869/me.v6i1.1748
Nasfi, N., Yunimar, Y., Sabri, S., Eka, F., & Asnah, A. (2021). The effect of profit sharing and financing ceiling on non-performing financing islamic banks. INOVASI: Jurnal Ekonomi, Keuangan Dan Manajemen, 17(4), 850–858. https://doi.org/http://dx.doi.org/10.29264/jinv.v17i4.10274
OJK. (2019). Sistem Penilaian Tingkat Kesehatan Bank Pembiayaan Rakyat Syariah. OJK.
Satria.Y.D, & Nasfi, N. (2019). Merger As The Fulfillment Of Minimum Capital Requirements And Fulfillment Of Core Capital BPR Based On Financial Regulation NO. 5/POJK. 03/2015 (Case Study At PT. BPR Rangkiang Aur dan PT. BPR Rangkiang Denai). Menara Ilmu, 13(9), 13–23. https://doi.org/https://doi.org/10.33559/mi.v13i9.1549
This work is licensed under a Creative Commons Attribution 4.0 International License.