ANALISIS FAKTOR-FAKTOR PENYEBAB PEMBIAYAAN BERMASALAH DI BANK PEMBIAYAAN RAKYAT SYARIAH XYZ PERIODE 2009-2013

Abstract

Financing problems for the banks that can be seen from the non-performing financing perspective, particularly for the BPRS because it has high NPF than any other Islamic banks and 72% financing problems are from SME business type. One of the banks that has high NPF is BPRS XYZ. In 2009, the BPRS XYZ’s NPF was 45% and continued to fluctuate until 2013. The aims of this study are (1) analyze the characteristics of customer financing that can affecting the financing problems and (2) to formulate the strategies that can be applied to prevent, minimize and overcome the nonperforming financing. The methods used in this research are logistic regression analysis, analysis of internal and external factors, SWOT matrix analysis and . The results of this study are: 1) Based on logistic regression, independent variables that have significantly impact to the financial returns either it is smooth or has a problem are the financing period, nominal mortgage, the ratio of outstanding amounts with the sale price, and the ratio of outstanding amounts with the sale price. 2) The internal and external matrix shows that the BPRS XYZ position is in Qu adrant II is growing state. The strategies are formulated using the SWOT analysis generates 7 strategies and based on the results of Quantitative Strategic Planning Matrix (QSPM) the arrangement of strategy priorities are: (1) Improve the financing marketing for SMEs and increase the promotion of third-party funds, especially in the month of Ramadan, Eid al-Fitr and Eid al-Adha with special schedule and special programs; (2) Improve the financing feasibility analysis procedure in decision of determining the selling price, financing period, and the nominal collateral; (3) Improve the training and the scholarships for human resources and give scholarship for the human resources education; (4) Open the cash offices or outlets and increase the number of employees; (5) Improve the cooperation with the islamic banks for be the dealer of the financing; (6) Conduct the outreach activities and the management training for customers and improve the supervision and guidance of customers who already have financing; and (7) Add product for the gold pawns and the gold savings and also redevelop the saving plan’s product.