The Effect of Financing Distribution on NPF in Islamic Banking: A Short- and Long-Term ECM Analysis
Saputri P.L., Kusumawati D.A., Ahmadi H.
Abstract
This research aims to analyze the effect of murabahah, mudharabah, and musyarakah financing on nonperforming financing (NPF). It examined the effect of financing distribution on NPF based on the quarterly data from BSI from 2015 to 2022 and used the error correction model (ECM) analysis. The results showed that in the long term, the distribution of murabahah, mudharabah, and musyarakah financing did not affect NPF. Meanwhile, in the short term, only murabahah and musyarakah financing affected NPF with a significance level of 0.05 and 0.03, respectively. The results can be a significant indicator of adequate steps for BSI in taking a financing distribution policy to prevent financing risk. This research only focuses on murabahah, mudharabah, and musyarakah financing which are widely used by society as affecting factors on NPF.
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