ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI TINGKAT PERSETUJUAN FASILITAS PEMBIAYAAN SYARIAH BERIKUTNYA PADA PRODUK PEMBIAYAAN TANPA AGUNAN (PTA) (Studi Kasus PT. Bank ABC Syariah di Indonesia)

Penulis

  • Yaser Taufik Syamlan Institut Agama Islam Tazkia

DOI:

https://doi.org/10.30829/hf.v6i2.5712

Kata Kunci:

PTA Syariah, kolektibilitas pembiayaan, regresi logistic

Abstrak

An increase in the distribution of PTA Syari'ah financing will also be accompanied by a risk of a bank's confidence level to provide the next facility and an increase in risk that must be borne by the bank in the form of the customer's inability to return the principal of the financing received. The risk of financing related to the confidence of Islamic banks in the world is caused by the character of the debtor's failure to pay for financing.This is what underlies the importance of research on the factors that influence the provision of Islamic PTA financing conducted. The dependent variable used in this study is collectibility and the independent variables are age, education level, marital status, number of dependents, type of company, residence status, position, length of work, income, term of financing, financing objectives, financing ceiling, track record at Bank Indonesia, and branch locations for financing applications. The results of research conducted that of the fourteen variables initially which allegedly affected the subsequent financing facilities turned out to be only four that had a real influence on the subsequent financing facilities provision of Islamic PTA financing at ABC Syariah Bank in Indonesia, namely the level of education, length of work, track record at the Bank Indonesia and branch locations for financing applications. However, the length of work variable has a positive effect on the provision of subsequent financing facilities. Keywords: Islamic PTA, collectability financing, logistic regressionABSTRAKPeningkatan penyaluran pembiayaan PTA Syari'ah juga akan diikuti oleh risiko tingkat kepercayaan bank untuk memberikan fasilitas berikutnya dan peningkatan risiko yang harus ditanggung bank berupa ketidak mampuan nasabah untuk mengembalikan pokok pembiayaan yang telah diterima. Risiko pembiayaan terkait kepercayaan bank-bank Islam di dunia disebabkan oleh karakter kegagalan debitur membayar pembiayaan.Hal ini yang mendasari pentingnya penelitian mengenai faktor-faktor yang mempengaruhi pemberian pembiayaan PTA syariah ini dilakukan. Adapun variable dependen yang digunakan dalam penelitian ini adalah kolektibitas dan variable independennya berupa usia, tingkat pendidikan, status pernikahan, jumlah tanggungan, jenis perusahaan, status tempat tinggal, posisi jabatan,lama bekerja, pendapatan, jangka waktu pembiayaan, tujuan pembiayaan, plafon pembiayaan, track record di Bank Indonesia, dan lokasi cabang pengajuan pembiayaan. Hasil penelitian yang dilakukan bahwa dari keempatbelas variabel pada awalnya yang diduga berpengaruh terhadap pemberian fasilitas pembiayaan berikutnya ternyata hanya empat yang mempunyai pengaruh nyata terhadap pemberian fasilitas pembiayaan berikutnya pembiayaan PTA syariah pada Bank ABC Syariah di Indonesia adalah tingkat pendidikan, lama bekerja, track record di Bank Indonesia dan lokasi cabang pengajuan pembiayaan. Namun variable lama bekerja mempunyai pengaruh positif terhadap pemberian fasilitas pembiayaan berikutnya. Kata kunci: PTA Syariah, kolektibilitas pembiayaan, regresi logistic

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Unduhan

Diterbitkan

2019-12-23

Terbitan

HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam | Vol. 6 | No. 2 | 2019

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