Analysis Influence Financing Mudharabah and Musyarakah to Risk Credit (Non-Performing Financing) in Islamic Commercial Banks for the 2020–2024 Period

Abstract

This study aims for analyze influence financing mudharabah and musyarakah to risk measured credit​ using Non-Performing Financing (NPF) at Islamic Commercial Banks in Indonesia during 2020–2024 . Research This based on phenomena improvement financing with scheme for results that are not always follow with improvement risk credit , so that show existence dynamic relationship​ between second variables said . Research This apply method quantitative with type study associative . The data used is secondary data taken​ from Statistics Sharia Banking issued by the Financial Services Authority (OJK). The analytical method used is multiple linear regression after do testing hypotheses and assumptions classic such as normality tests , multicollinearity , heteroscedasticity , and autocorrelation . Research results This show that financing mudharabah No own significant influence​ against NPF if seen in a way individual , with number recorded significance​ of 0.203. On the other hand , financing musyarakah also not show significant influence , with​ number significance reached 0.470. In this case this , okay mudharabah and musharakah in a way combination No give significant influence​ towards NPF, with number significance of 0.430. The Adjusted R Square value obtained is 0.230, which shows that variables independent in study This only capable explains 23% of NPF variations , while the rest influenced by other outside factors study this . Based on the results obtained can be stated that financing with system mudharabah and musyarakah No own significant impact​ against Non-Performing Financing (NPF) throughout period study.