Karakteristik Pembiayaan dan Non Performing Finance Perbankan Syariah 2015–2018
<p>Each type of contract in financing in a Sharia Bank has different<br />characteristics. This can not be separated from the type of transaction used in<br />financing. This study aims to analyze the effect of financing characteristics<br />based on the contract in the distribution of funds, namely: mudharabah<br />financing, musyarakah financing, murabahah financing and qardh loans to<br />financing risk which is proxied by the ratio of non-performing finance (NPF).<br />The research is a quantitative associative study with the object of a sharia<br />commercial bank in Indonesia. The sampling technique used a purposive<br />sampling technique where the number of samples analyzed was 66 consisting<br />of 11 Islamic Commercial Banks with the period 2011-2016. The analysis<br />shows that mudharabah financing has a positive effect on NPF, murabahah<br />financing has a negative effect on NPF. While musyarakah and qardhul hasan<br />financing does not affect the NPF ratio.</p>