EVALUASI NON PERFORMING LOAN (NPL)
PINJAMAN QARDHUL HASAN
(Studi Kasus di BNI Syariah Cabang Yogyakarta)
: Muhammad Akhyar Adnan and Firdaus Furywardhana
: qardhulhasan, NPL, factors, evaluation
: Fakultas Ekonomi Universitas Islam Indonesia - Yogyakarta
The Qardhul-hasan is one of financing-product provided by Islamic banks.
Unlike other financing products, the qardhul-hasan has some unique characteristics,
including to entertaint a very specific customers who might be categorized as the
dhuafa’ group. The study indicates that three of independent variables (customer’s
basic characterisitic, reference, payment) are negatively correlated with dependent
variable. However, the factor of purpose has no significant correlation. Further
qualitative analysis also indicates that both bank management as well as qardhul
hasan recepients have inappropriate perceptions toward the qardhul hasan product.
In turn, it [the perception] worsens the NPL of Qardhul-hasan.
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