THE INFLUENCE OF THE CUSTOMER'S COLLATERAL ASSESSMENT AND BUSINESS CAPABILITY ON MUSYARAKAH FINANCING RISKS AT BMT UGT SIDOGIRI GLENMORE BRANCH

Abstract

This research is motivated by the phenomenon that financing analysis is needed in providing financing to prospective customers who do financing. Because n this analysis can be used to minimize the risk of sharia financing for financial institutions, especially BMT UGT Glenmore Sidogiri Branch. The focus of the problem is to determine the factors that influence the risk of Musyarakah Financing either partially or simultaneously. This study uses a quantitative approach. Data collection techniques using a questionnaire. The data analysis technique used is validity test, reliability test, normality test, multiple linear regression analysis, T-test, F test, and coefficient of determination. Hypothesis testing using t-test and f-test shows that: (1) the assurance assessment has an effect and is significant on the risk of musyarakah financing at BMT UGT Glenmore Sidogiri Branch (2) the customer's business ability has a significant and significant effect on the risk of musyarakah financing at BMG UGT Glenmore Sidogiri Branch. (3) the assessment of the guarantee and the ability of the customer's business to jointly affect the risk of musyarakah financing at BMT UGT Sidogiri Glenmore Branch.