Pengaruh rescheduling tempo pembayaran dan reconditioning nominal angsuran terhadap tingkat Non Performing Financing (NPF) pembiayaan Murabahah Di BMT Muhammadiyah Cabang Pembantu Wanareja – Cilacap

Al Munawaroh, Tri (2017) Pengaruh rescheduling tempo pembayaran dan reconditioning nominal angsuran terhadap tingkat Non Performing Financing (NPF) pembiayaan Murabahah Di BMT Muhammadiyah Cabang Pembantu Wanareja – Cilacap. Masters thesis, UIN Sunan Gunung Djati Bandung.

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Abstract

INDONESIA : Di BMT Muhammadiyah Cabang pembantu Wanareja, Pada periode awal tahun 2014 NPF menunjukan angka 43%, kemudian diterapkan Rescheduling pada 5 orang dan reconditioning pada 3 orang, itu artinya pemberian keringanan kepada nasabah pembiayaan bermasalah cukup besar, seharusnya tingkat NPF pada akhir bulan Maret 2014 menurun, tetapi pada kenyataannya justru meningkat sebanyak 23%. Dari latar belakang tersebut dilakukan penelitian dengan tujuan mengetahui signifikansi pengaruh Rescheduling tempo pembayaran dan reconditionin nominal angsuran secara parsial dan simultan terhadap tingkat NPF pembiayaan mura>bah}ah. Jenis penelitian ini korelasi dengan pendekatan kuantitatif. Teknik pengambilan data dilakukan dengan observasi, wawancara kuesioner dan dokumentasi. Alat pengumpul datanya kuesioner dengan jumlah populasi 60 orang dan diambil sampel sebanyak 53 orang. Teknik analisis data yang digunakan dalam penelitian adalah teknik korelasi dan regresi, yaitu dengan korelasi sederhana untuk menentukan hubungan masing-masing variabel X dengan Y, regresi sederhana, untuk menentukan kontribusi masing-masing variabel X1, X2 terhadap variabel Y dan regresi ganda menentukan kontribusi variabel X1, X2, secara bersama-sama terhadap variabel Y. Dari hasil penelitian yang dilakukan, dapat diketahui bahwa variabel Rescheduling Tempo Pembayaran secara parsial mempengaruhi Tingkat Non Performing Financing (NPF) sebesar 11,9%. Sedangkan variabel Reconditioning Nominal Angsuran secara parsial berpengaruh terhadap Tingkat Non Performing Financing (NPF) sebesar 44,1%. Adapun pengaruh dari Rescheduling Tempo Pembayaran dan Reconditioning Nominal Angsuran secara simultan terhadap Tingkat Non Performing Financing (NPF) pembiayaan mura>bah}ah adalah sebesar 42,1%. Program penyelamatan pembiayaan bermasalah dapat membantu menurunkan tingkat Non Performing Financing (NPF) jika dilakukan dengan efektif. Program ini sangat membantu umat yang dalam keadaan kesulitan. Dengan demikian peran BMT dalam masyarakat terlihat adanya dalam membantu pemerintahan untuk menyejahterakan rakyat. ENGLISH : At BMT Muhammadiyah (the branch of Wanareja), in the early period of 2014, NPF shows figure 43%, then applied Rescheduling to 5 people and reconditioning to 3 people. it means that giving a relief to customer, financing gets a problem big enough. Properly, the level of NPF in the end of March 2014 decreased, but in fact it increased by 23%. Starting the background, the research is conducted with the aim of knowing the significance of the effect of Rescheduling of payment maturity and reconditioning of nominal partial installments and simultaneity to the level of finance NPF mura>bah}ah. This type of research is the correlation with a quantitative approach. The technique of data collection is done by observation, questionnaire interview and documentation. The questionnaire data collection tool with a population of 60 people and samples taken are as many as 53 people. Data analysis techniques used in the study are the correlation and regression, i.e by the simple correlation to determine the relationship of each X with Y variable, simple regression, to determine the contribution of each X1, X2 to Y variable and multiple regression determine variable contribution X1, X2, jointly to Y variable. From the research conducted, it can be seen that the variable of Rescheduling of partially payment maturity affects the level of Non Performing Financing (NPF) amounted to 11,9% while the variable of Reconditioning of partially installment nominal affects to the level of Non Performing Financing (NPF) amounted to 44,1%. Now, the influence of Rescheduling of payment maturity and Reconditioning of simultaneously installment nominal to the rate of Non Performing Financing (NPF) of financing mura>bah}ah is amounted to 42,1%. The rescue program of financing problem may help to decrease the level of Non Performing Financing (NPF) if it’s done effectively. This program is very helpful to people being in a state of distress. Thus, the role of BMT in society is visible to presence in helping the government for bringing welfare to the people.

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