Determinan Pembiayaan Murabahah pada Bank Pembiayan Rakyat Syariah (BPRS) di Indonesia

Ismail, Juniaty; Kadir, None Rifadli D.

doi:10.24967/ekombis.v5i1.674

Cited by 5 publications

(6 citation statements)

References 4 publications

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“…This can usually occur due to the lack of consistency between the increase and decrease in non-performing financing profit margins against the amount of profit margin financing each year. The results of this study contradict research (Ismail & Kadir, 2020) which states that non-performing financing has a positive effect on profit margin financing. Research conducted by (Gunanto, Suprihati, & Aristi, 2018) and (Prasasti & Prasetiono, 2014) states that the Financing to Deposit Ratio variable has a positive effect on profit sharing financing Profit sharing at Islamic Commercial Banks in Indonesia.…”

Section: Introductioncontrasting

confidence: 99%

“…The results of this study are not in line with research conducted by (Sumadi & Romdhoni, 2020) stating that the Financing to Deposit Ratio variable has a negative effect on profit sharing financing at Bank Syariah Mandiri or BSM from 2010-2018. Another research that is inconsistent with that conducted by (Ismail & Kadir, 2020) states that the Financing to Deposit Ratio has a negative effect on the amount of financing for BPRS profit margins in Indonesia. Furthermore, other research contradicts previous research, namely (Rachmawaty & Idayati, 2017) which states that the Financing to Deposit Ratio has no effect on profit margin financing.…”

Section: Introductionmentioning

confidence: 77%

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Determining Factors of Financing Scheme Cases on Islamic Banking in Indonesia

Fadlyanti,

Sutrisno

2023

IJMRA

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Financing is an important aspect of Islamic banking, because the main income of Islamic banks comes from financing. There are two main schemes in financing, namely profit margin financing (PMF) which is based on buying and selling, and profit sharing financing (PSF) which is based on customer profits. The purpose of this study is to determine the factors that influence the two financing schemes. In this study, the influencing factors consist of third party funds (TPF), financing risk as measured by non performing financing (NPF), liquidity risk as measured by financing to deposit ratio (FDR), capital as measured by capital adequacy ratio (CAR), and operating risk as measured by the operating expense to operating income ratio (EIR). The population of this research is Islamic banks in Indonesia totaling 13 banks with a sample of 6 Islamic banks. Test the hypothesis using panel data regeneration analysis. After testing the model, it turns out that the best model is the fixed effect model. The results showed that TPF had a positive effect on all financing schemes (PMF and PSF). EIR should also have a significant but negative effect on both financing schemes. Meanwhile, NPF and EIR had a negative effect on PMF but had no effect on PSF, and FDR had no effect on the two financing schemes.

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Section: Introductioncontrasting

confidence: 99%

Section: Introductionmentioning

confidence: 77%

Determining Factors of Financing Scheme Cases on Islamic Banking in Indonesia

Fadlyanti,

Sutrisno

2023

IJMRA

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“…Dalam sebagian penelitian juga tidak membahas kesuaian dengan fatwa sehingga terlihat samar samar. Diantarnya tidak terfokus pada implementasi fatwa hanya sosialisasi (Syafi'i & Huda, 2021); hanya terkait pemasaran dan pengenalan Bank kepada Masyarakat (R. R. Putri, 2020); tidak menjelaskan implementasi fatwa (Yuhrotun et al, 2022); tidak menjelaskan implementasi fatwa (Ayu Sifaul Muzariah, 2022); tidak menjelaskan implementasi fatwa (Ismail & Kadir, 2020); Hanya menjelaskan tingkat pemahaman akad pembiayaan (Melina, 2022); Hanya membahas tingkat pengaruh pembiayaan (Supriyadi, 2020); Hanya membahas profitabilitas (Sembiring, 2022). Dalam Penelitian ini, 25 (dua puluh lima) arikel jurnal dengan tema implementasi akad murabahah pada perbankan syariah ternyata terdapat 14 (empat belas) yang dapat menerapkan akad murabahah yang sesuai dengan fatwa, 3 (tiga) yang belum dapat menerapkan akad murabahah yang sesuai dengan fatwa dan 8 (delapan) yang masih samar-samar.…”

Section: Journal Of Fiqh Inunclassified

Implementasi Pembiayaan Murabahah pada Perbankan Syariah di Indonesia: Studi Literatur

Shalahuddin,

Fauziah

2023

JFCFT

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This study tried to look at research related to Murabahah Contract Financing in Islamic Banking in Indonesia bycollecting sufficient information on murabahah contract financing, such as house, vehicle, and productive installments, such as investment and business working capital. This research method uses qualitative methods, namely literature research by collecting some previous research during the period 2020 (two thousand twenty) to 2022 (two thousand twenty-two) that have been published, journal articles related to murabahah contract financing were collected as many as 25 (twenty-five). The search for this document study is a scientific paper that is not a thesis through the google scholar website page and the help of Public or Perish software (POP) using the keyword "Murabahah Financing". According to Sharia Banking Statistics Data, January 2020 issued by the OJK (Financial Services Authority) on the Composition of Financing that i provide Sharia People's Financing Banks, jumlah rekening Sharia People's Financing Banks and equivalent rates of rewards/profit sharing/fees/bonuses of Sharia People's Financing Banks in the Murabahah Contract it is always the most among other contracts, except in the equivalent of the level of reward/profit sharing/fee/bonus only slightly difference between the murabahah contract and the musyarakah contract (19.73 with 22.66). The most research states that murabahah contract financing has a considerable influence on Islamic banking. Based onthe results of this literature study, it can be concluded that murabahah contract financing plays an important role as the most dominant contract used by customers. Penelitian ini mencoba melihat riset terkait Pembiayaan Akad Murabahah pada Perbankan Syariah di Indonesia dengan melakukan pengumpulkan informasi yang cukup terhadap pembiayaan akad murabahah, seperti angsuran rumah, kendaraan, dan produktif, seperti investasi maupun modal kerja usaha. Metode penelitian ini menggunakan metode kualitatif, yaitu penelitian kepustakaan dengan mengumpulkan beberapa penelitian terdahulu selama periode 2020 (dua ribu dua puluh) sampai dengan 2022 (dua ribu dua puluh dua) yang sudah dipublish, artikel jurnal yang terkait pembiayaan akad murabahah dikumpulkan sebanyak 25 (dua puluh lima). Pencarian studi dokumen ini karya tulis ilmiah yang bukan skripsi melalui laman website google scholar dan bantuan software (POP) Public or Perish dengan menggunakan kata kunci “Pembiayaan Murabahah”. Menurut Data Statistik Perbankan Syariah, Januari 2020 terbitan OJK (Otoritas Jasa Keuangan) pada Komposisi Pembiayaan yang diberikan Bank Pembiayaan Rakyat Syariah, jumlah rekening Bank Pembiayaan Rakyat Syariah serta Ekuivalen tingkat imbalan/bagi hasil/fee/bonus Bank Pembiayaan Rakyat Syariah pada Akad Murabahah selalu paling banyak diantara akad lainnya, kecuali pada Ekuivalen tingkat imbalan/bagi hasil/fee/bonus hanya beda sedikit antara akad murabahah dengan akad musyarakah (19,73 dengan 22,66). Penelitian paling banyak menyebutkan bahwa pembiayaan akad murabahah memberikan pengaruh yang cukup besar bagi Perbankan Syariah. Berdasarkan hasil studi literatur ini maka dapat disimpulkan bahwa pembiayaan akad murabahah memegang peranan penting sebagai akad yang paling dominan digunakan oleh Nasabah

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“…Hal ini dikarenakan ketika di satu sisi masyarakat memiliki kelebihan uang, secara otomatis mereka akan membelanjakannya dengan berlebihan. Sementara untuk masyarakat yang mempunyai kekurangan uang, mereka tidak bisa membeli barang-barangnya (Ismail & Kadir, 2020).…”

Section: J Inflasiunclassified

Analisis Determinan Yang Mempengaruhi Pembiayaan Murabahah Pada Bank Umum Syariah Di Indonesia

Dwiawani

Sudarsono

2021

Human Falah

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This study aims to analyze the determinants of murabahah financing as seen from microeconomic factors such as Third Party Funds, Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Return On Assets (ROA), Financing to Deposit Ratio (FDR), and BOPO as well as from macroeconomic factors such as BI rate and Inflation that are seen as having an effect in the short and long term. Analysis in this study uses secondary time series data taken from monthly data of OJK and BPS, namely from January 2015 to July 2020. Observation used as many as 67 observations and analysis methods used is Auto-Regressive Distributed Lag (ARDL) with Eviews 9 application. The results obtained from this study are in the short term variables that do not affect Murabahah Financing in Sharia Commercial Banks including CAR, ROA, NPF, BOPO, and Inflation. Meanwhile, Third Party Funds and FDR have a positive relationship and have a significant influence on Murabahah Financing. Then, the BI Rate affects Murabahah Financing but the relationship is negative. In the long term, the variable that has a positive and significant influence on Murabahah Financing is CAR. On the other hand, the NPF and BI Rate have a negative and significant effect on Murabahah Financing. While the rest, DPK, ROA, FDR, BOPO, and Inflation had no effect Murabahah Financing in Sharia Commercial Banks significantly in the long term.

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Determinan Pembiayaan Murabahah pada Bank Pembiayan Rakyat Syariah (BPRS) di Indonesia

Cited by 5 publications

References 4 publications

Determining Factors of Financing Scheme Cases on Islamic Banking in Indonesia

Determining Factors of Financing Scheme Cases on Islamic Banking in Indonesia

Implementasi Pembiayaan Murabahah pada Perbankan Syariah di Indonesia: Studi Literatur

Analisis Determinan Yang Mempengaruhi Pembiayaan Murabahah Pada Bank Umum Syariah Di Indonesia

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