Determinant of Repayment Rate of Islamic Mortgate Financing Product

Authors

  • Hawari Muhammad El Baqiy STEI Tazkia
  • Ferry Ardiansyah STEI Tazkia

DOI:

https://doi.org/10.30993/tifbr.v12i2.149

Keywords:

Keyword, Islamic Bank, Mortgage Financing, Logistic Regression, Repayment Rate

Abstract

Penelitian ini bertujuan untuk menganalisis faktor penentu tingkat pembayaran kembali pembiayaan perumahan di perbankan syariah. Penelitian ini menggunakan model analisis regresi logistik; dengan variabel dependen yang digunakan adalah tingkat kolektabilitas sedangkan variabel bebasnya adalah usia, jumlah anggota keluarga, tingkat pendidikan, rekening bank, saldo tabungan, rekam jejak di bank syariah XYZ, rekam jejak di Bank Sentral Indonesia, referensi, status perumahan, lama tinggal, jenis perusahaan, posisi di tempat kerja, lama kerja, pendapatan, lama pembiayaan, kemampuan pembayaran kewajiban, rekomendasi penilaian, ukuran bangunan, tujuan pembiayaan, dan rasio pembiayaan terhadap agunan. Hasilnya menunjukkan bahwa hanya lima determinan yang mampu mempengaruhi tingkat pembayaran pembiayaan KPR syariah atau KPR di bank syariah XYZ di Jakarta, Bogor, Depok, Tangerang, Bekasi, dan Cilegon pada periode tahun 2014-2016. Faktor-faktor penentu tersebut adalah rekam jejak di Bank Syariah XYZ dan Bank Sentral Indonesia, jenis perusahaan, lama pembiayaan, dan kemmampuan pembayaran kewajiban. Pada saat yang sama, rekam jejak di Bank Sentral Indonesia dan lamanya pembiayaan memiliki efek negatif terhadap tingkat pengembalian KPR Islam.

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Published

2018-09-04

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Articles