KARAKTER ENTREPRENEURSHIP SYARIAH DAN PENGARUHNYA TERHADAP RESIKO PEMBIAYAAN PERBANKAN SYARIAH (STUDI KASUS BMT SYARIAH MEDAN)

Samrin; Saparuddin Harahap; Sugianto;

Abstract

This research tests and analyzes whether the characteristics of sharia entrepreneurs affect the risk of sharia financing. The population in this research is the financing partner of BMT Syariah Medan with the technique of saturated samples in which the population units will be used as the overall sample. Then the obtained data is analyzed by using a structural equation modeling (SEM)-based regression analysis of Partial Least Square (PLS). The results of this research proved the characteristics of Islamic entrepreneurs very influential in financing risks. Potential loss faced by the bank when the financing given to the debtor is stuck. Failure of debtor pays off its obligations as a condition of failing to pay, i.e. failing to pay basic installments or profit portions. Financing risk occurs due to the failure of the opposing party (the counterparty) to fulfill obligations. Financing risks can be sourced from a variety of functional bank activities such as financing (funding), Treasury and investment, and trade financing funds, which are recorded in the banking book or trading book. There are five problems faced by BMT Syariah Medan when channeling their funds, namely (1) The problem of uncertainty of market conditions that will affect the ability of the debtor in returning funds, (2) There is a possible difference in the selling value of the collateral (Rahn) at the time of the contract and when Termrice, (3) The problem of the credibility of the information provided by the debtor at the time of the financing proposal.