PERILAKU DEBITUR DALAM MENENTUKAN PEMBIAYAAN SYARIAH (STUDI KASUS PADA BEBERAPA BPRS DI WILAYAH TANGERANG DAN BEKASI)

Hasnil Hasyim

Abstract


Syariah banking as one of increasing financial institution is hoped to be one of
the alternative solution to overcome the economic crisis in Indonesia. It is due
to the fact of the bank’s capability to survive during the crisis where most of
the conventional banks experienced bankruptcy which was caused by the high
rate of interest resulting in the liquidity weaken. The positive impact of the
syariah banking existence is the effective of the intermediary function of a
bank,that is financing allocation at real sektor resulting in 100 % of Loan to
Deposite Ratio (LDR) amount. This has a direct influence in developing the
community’s economy and in reducing the unemployment number.
Theoritically, the high amount of LDR has a positive correlation to credit risk
a research on the debtor behavior and faktor influencing them in determining
the syariah financing is conducted so that the default risk can be minimize.

Key word: debitor behavior, syariah banking


DOI: http://dx.doi.org/10.30868/ad.v1i02.235 <

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