FAKTOR-FAKTOR YANG MEMPENGARUHI PENETAPAN MARGIN MURABAHAH PEMBIAYAAN KONSUMTIF DI BANK KALTIM SYARIAH

  • Sri Wahyuni Fakultas Ekonomi Universitas Mulawarman, Samarinda - KALTIM
Keywords: margin murabaha, financing consumptive, Bank Kaltim Sharia

Abstract

This study examines the factors that influence the determination of margin murabaha financing consumptive In Bankaltim Sharia of the year 2009 to 2012. The data used is the Monthly Financial Report Bank Kaltim Sharia from January 2009 - December 2012 and data from Bank Indonesia, BI Rate and inflation. The analysis tool used is multiple linear regression. The results: (1) Variable FDR (X1), BOPO (X2), Inflation (X3) and interest rates (X4) simultaneously significant effect on margins murabaha Bankaltim Sharia (Y). The first hypothesis means unacceptable and unsubstantiated because probabilities <0.05 is 0.000. (2) most dominant variable in this study is inflation (X3) because they beta Inflation (X4)> beta value of FDR (X1), BOPO (X2), and interest rate (X4) means that the hypothesis both rejected. This is because the increase in inflation will increase the cost of production so that prices of goods / services will be expensive. This has an impact on the decrease in purchasing power resulting in lower demand murabaha financing. Falling demand will murabaha financing murabaha followed by a decline in margins. Of the Sub-Structure Model 2 Testing with F-test statistics, show that the F-statistic probability value is smaller than the significance level used (0,000> expensive. This has an impact on the decrease in purchasing power resulting in lower demand murabaha financing. Falling demand will murabaha financing murabaha followed by a decline in margins.

References

Alhusin, Syahri. (2003). Analisis Statistik dengan SPSS Versi 11.5. Bandung: PT. Graha Ilmu.

Antonio, Muhammad Syafii. (2001). Bank Syariah: Dari Teori ke Praktek. Jakarta: Penerbit Gema Insani Press-Tazkia Institute.

Boediono. (1992). Teori Pertumbuhan Ekonomi. Yogyakarta: BPFE.

Brigham, E.F and L.C Gapenski. (1997). Financial Management: Theory and Practice. USA: The Dryden Press.

Firdaus. Mahya. (2009). Faktor-Faktor Yang Mempengaruhi Penetapan Profit Margin Pada Pembiayaan Murabahah. Yogyakarta: Universitas Islam Indonesia.

Ghozali, Imam. (2005). Aplikasi Analisis Multivariate Dengan Program SPSS. Semarang: Badan Penerbit UNDIP.

Hasan, Ali. (2010). Marketing Bank Syaraih, Cara Jitu Meningkatkan Pertumbuhan Pasar Bank Syariah. Bogor: Penerbit Ghalia Indonesia.

Karim, Adiwarman. (2004). Bank Islam: Analisa Fiqih dan Keuangan. Jakarta: PT. Raja Grafindo Persada.

Khalwaty, Tajul. (2000). Inflasi Dan Solusinya, Cetakan Pertama. Jakarta: PT Gramedia Pustaka Utama.

Kompasiana. (2011). Manajemen Keuangan Syariah. Dikutip dari: http://ekonomi.kompasiana.com/manajemen/2011/05/13/manajemen-keuangan-syariah-363570.html

Muhammad. (2005). Manajemen Dana Bank Syariah. Yogyakarta: Ekonisia.

Muliati, Siti. (2011). Faktor yang Mempengaruhi Penetapan Margin Murabahah pada BMT Khairu Ummah Leuwiliang Bogor. Institut Pertanian Bogor.

Muslich, Ahmad Wardi. (2010). Fiqh Muamalat. Jakarta: Penerbit Amzah.

Perwataatmadja., H.Karnaen A. dan Antonio, Muhammad Syafii. (1992). Prinsip Operasional Bank Islam. Jakarta: Risalah Masa.

Rahmawati, Naili. (2010). Mekanisme Pembiayaan Murabahah. alkalinkworld. files.wordpress.com diakses 6 Januari 2012

Rivai Veithzal, Arifin Arviyan. (2007). Islamic Banking: Sebuah Teori, Konsep, Dan Aplikasi. Jakarta: Penerbit PT. Bumi Aksara.

Santoso, Singgih. (2002). SPSS Versi 10 Mengolah Data Statistik Secara Profesional. Yogyakarta: Elex.

Sudarsono, Heri. (2008). Bank dan Lembaga Keuangan Syariah, Deskripsi dan Ilustrasi. Yogyakarta: Penerbit Ekonisia.

Sugiyono. (2008). Metode Penelitian Bisnis. Bandung: CV Alfabet.

Tandellien, Eduardus. 2001. Analisis Investasi dan Manajemen. Yogyakarta: BPFE.

Zainuri., Fikri. (2012). Analisis Pengaruh Variabel Biaya Operasional, Volume Pembelian Murabahah, Bagi Hasil DPK, Inflasi dan BI Rate Terhadap Margin Murabahah (Studi Kasus Pada Bank BRI Syariah). Depok: Universitas Indonesia.

Published
2015-06-04
How to Cite
Wahyuni, S. (2015). FAKTOR-FAKTOR YANG MEMPENGARUHI PENETAPAN MARGIN MURABAHAH PEMBIAYAAN KONSUMTIF DI BANK KALTIM SYARIAH. JURNAL EKSEKUTIF, 12(1). Retrieved from https://jurnal.ibmt.ac.id/index.php/jeksekutif/article/view/91
Section
Articles