Pengaruh Dana Pihak Ketiga, Tingakt Kecukupan Modal, Bonus Sertifikat Bank Indonesia Syariah, Dan Suku Bunga Kredit Bank Umum Konvensional Terhadap Jumlah Pembiayaan Bagi Hasil Pada Bank Muamalat Indonesia (Periode 2005 - 2008)
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Institusion
STIE Indonesia Banking School
Author
Nurmillah, Nurmillah
Subject
HF5601 Accounting
Datestamp
2024-07-18 00:58:49
Abstract :
Financing is one of the main tasks of the bank, which provides facilities for provision of funds to meet those needs arise. Financing with the principle of profit loss sharing is a type of financing that can realize the objectives of Islamic banking to pursue the creation of income distribution in society. The aims of this reaserch is to identify some variables that affect amount of profit loss sharing financing (musyarakah dan mudharabah) at Bank Muamalat Indonesia during the period 2005 to 2008. The variables are the Third Party Funds, a bonus of Bank Indonesia Certificates Sharia (SBIS), capital adequacy ratio and rate of credit conventional banks. Research method which used is multiple linear regressions with distributed lag model, processed by Eviews 6. Regression results shows that four independent variables used may affect dependent variable as much as 63,22%, and the rest which is 37,77% explained by other variables that not being used in this research model. Partially, the conclution of this research is the Third Party Funds (positive) and rate of credit interest conventional banks (negative) significantly affects the amount of profit loss sharing financing. Keywords : Profit loss sharing financing, third party funds, capital adequacy ratio, bonuses SBIS, rate of credit interest conventional banks
Financing is one of the main tasks of the bank, which provides facilities for provision of funds to meet those needs arise. Financing with the principle of profit loss sharing is a type of financing that can realize the objectives of Islamic banking to pursue the creation of income distribution in society. The aims of this reaserch is to identify some variables that affect amount of profit loss sharing financing (musyarakah dan mudharabah) at Bank Muamalat Indonesia during the period 2005 to 2008. The variables are the Third Party Funds, a bonus of Bank Indonesia Certificates Sharia (SBIS), capital adequacy ratio and rate of credit conventional banks. Research method which used is multiple linear regressions with distributed lag model, processed by Eviews 6. Regression results shows that four independent variables used may affect dependent variable as much as 63,22%, and the rest which is 37,77% explained by other variables that not being used in this research model. Partially, the conclution of this research is the Third Party Funds (positive) and rate of credit interest conventional banks (negative) significantly affects the amount of profit loss sharing financing. Keywords : Profit loss sharing financing, third party funds, capital adequacy ratio, bonuses SBIS, rate of credit interest conventional banks
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