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Penelitian

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)

Tanggal Publikasi: 26 Des 2022

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.

Keyword

Islamic PTA, collectability financing, logistic regression