Abstract
<p>This study aims to determine the Non Performing Financing (NPF), Net<br />Operating Margin (NOM) and Financing to Deposit Ratio (FDR) on Murabahah<br />Financing with Third Party Funds (TPF) as the Moderating Variable. The<br />population in this study are Islamic Banks that publishes their financial<br />statements to Otoritas Jasa Keuangan (OJK) and each website of Islamic Banks<br />for the period 2013 to 2017, with a sampling technique that is purposive<br />sampling, the samples taken were 8 Islamic Banks in Indonesia obtained were<br />analyzed by moderating regression analysis technique. The results of this study<br />indicate that: (1) Non Performing Financing (NPF) does not negatively affect<br />murabahah financing at Islamic Banks; (2) Net Operating Margin (NOM) has<br />a positive effect on murabahah financing at Islamic Banks; (3) Financing to<br />Deposit Ratio (FDR) has a positive effect on murabahah financing at Islamic<br />Banks; (4) Third Party Funds (DPK) do not moderate the negative influence of<br />NPF on murabahah financing at Islamic Banks; (5) Third Party Funds (DPK)<br />strengthen the positive influence of NOM on murabahah financing at Islamic<br />Banks; (6) Third Party Funds (DPK) strengthen the positive influence of FDR<br />on murabahah financing at Islamic Banks. The implication of this research is<br />the result of this study can be used as an effort to increase murabahah<br />financing. To increase the amount of murabahah financing, managerial in<br />Islamic Banks in Indonesia need to prioritize policies related to Net Operating<br />Margin (NOM), Financing to Deposit Ratio (FDR) and Third Party Funds<br />(DPK).</p>
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