Abstract
<p><em>This study research aim to identify whether the factors of DPK, NPF, Inflation and CAR have an effect on murabaha financing. The research method using multiple regression statistic test.One of the products of Islamic banks that are currently booming is Murabahah financing. Murabahah financing is the sale and purchase of goods at the price of origin with additional profits yanng agreed. The technical term of syari'ah murabahah banking is defined as an agreement agreed between Bank Syariah with customers, where the Bank provides financing for the purchase of raw materials or other working capital required by the customer, which will be repaid by the customer at the selling price of the bank (the purchase price of the profit margin bank) at the stipulated time. This study was conducted to examine the effect of DPK, NPF, INFLATION and CAR variables on murabahah financing in sharia banks registered in Indonesian banks during the period 2010-2015. The criteria for selecting samples using purposive sampling. The sample of research is 12 sharia banking companies.Based on the results of the analysis and discussion conducted it can be concluded that the independent variables in this study measured using the committee DPK, Inflation, NPF does not affect murabahah financing, this is because the murabahah financing is not well known public, when compared to mudharabah financing and mutlaqah financing . This can be seen on average during the years 2010 - 2015. DPK with a significance level of 0.522&gt; 0.005, inflation 0.415&gt; 0.005, and NPF 0.512&gt; 0.005.Capital asset ratio affects murabahah financing with a value of 0.001 &lt;0.005</em></p>
Highlights
Kinerja perbankan syariah Indonesia pada tahun 2015 yang menggembirakan berdampak positif terhadap perkembangan perbankan di Indonesia, terutama perbankan syariah
This study research aim to identify whether the factors of Dana pihak ketiga (DPK), Non Performing Finance (NPF), Inflation and Capital Adequency Ratio (CAR) have an effect on murabaha financing
The technical term of syari'ah murabahah banking is defined as an agreement agreed between Bank Syariah with customers, where the Bank provides financing for the purchase of raw materials or other working capital required by the customer, which will be repaid by the customer at the selling price of the bank at the stipulated time
Summary
Kinerja perbankan syariah Indonesia pada tahun 2015 yang menggembirakan berdampak positif terhadap perkembangan perbankan di Indonesia, terutama perbankan syariah. Bank adalah badan usaha yang menghimpun dana dari masyarakat yaitu simpanan masyarakat dalam bentuk kredit dan atau bentuk lainnya dalam rangka meningkatkan taraf hidup masyarakat.Sektor perbankan sebagai lembaga intermediasi antara pihak – pihak yang memiliki kelebihan dana dengan pihak - pihak yang memerlukan dana, diperlukan bank dengan kinerja keuangan yang sehat, sehingga fungsi intermediasi dapat berjalan lancar.Berdasarkan uraian di atas, perumusan dalam penelitian ini adalah bank syariah memiliki resiko pembiayaan murabahah, oleh karena itu peneliti ingin mengetahui DPK, NPF, inflasi dan CAR yang sangat fluktuasi mempengaruhi optimalisasi pembiayaan murabahah berprinsip bagi hasil pada perbankan syariah selama tahun 2010 – 2015. Adapun bank umum syariah yang diteliti mempunyai data laporan tahunan lengkap yang dilaporkan ke OJK atau otoritas jasa keuangan secara terus menerus dari tahun 2010 sampai dengan 2015. Tingkat inflasi regional per bulan yang menjadi sebuah indikator untuk melihat tingkat perubahan dan di anggap terjadi jika proses kenaikan harga berlangsung secara terus menerus dan saling mempengaruhi.Inflasi dalam penelitian ini diperoleh dari data sekunder. Ba’i al murabahah dapat dilihat dari total atau jumlah pembiayaan murabahah yang disalurkan
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