Consumptive Financing Research Articles

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

This research was proposed to discover the influential factors on consumptive financing murabahah (a contract of sale of goods with the agreement on selling price and profit earned between the seller and the buyer) margin in Kaltim Sharia bank. The research instrument that had been used was the multiple linear regressions, correlation coefficient, coefficient of determination, as well as the classical assumption. Based on the analysis, the results showed that 1) Variable of Financing Deposit Ratio (X1), Return on Assets (X2), Inflation (X3) and the interest rate (X4) gave significant effect on murabahah margin Bankaltim Sharia (Y) simultaneously. The initial analysis confirmed that the first hypothesis was accepted and proven accurate because the value of probability was less than ( )FDR beta value (X1), ROA (X2), and interest rates (X4) which means that the second hypothesis was rejected due to higher inflation would extensively increase production costs and prices of goods / services. Consequently, the purchasing power will decline and subsequently murabahah financing demand would automatically decreasing as well that ultimately results in reduced margins of murabahah.

QUARTERLY ANALYSIS: The Progress of Monetary, Banking and Payment System Third Quarter – 2010

The acceleration of economic growth in Indonesia was still continuing and the macroeconomic stability was maintained. Accelerating economic growth was driven by the increased consumption and exports and investment. Consumption was increased by the optimism sparked by consumer confidence, availability of consumption financing and low import prices. Meanwhile, the improved export activity that remained improving was resulted from the strong demands mainly from China and India. The increasing domestic and international demand has resulted in increased investment growth. The Indonesian economy in 2010 was estimated to grow 6.0% -6.3% and in 2011 to reach 6.0% -6.5% range.

Argentina: Los bancos te dan sorpresas

Los bancos argentinos después de la crisis 2000-2003 han recuperado niveles de rentabilidad notablemente elevados, incluso por encima de los alcanzados en la época de la convertibilidad de los años noventa. En este trabajo se sostiene que si bien en los últimos seis años la actividad productiva se recuperó fuertemente, las ganancias de los bancos no surgieron del financiamiento de la producción o los servicios. Esta notablemente elevada rentabilidad procede principalmente del financiamiento al consumo, del cobro de servicios financieros y de la renta proveniente de los títulos públicos. Además está sustentada en el aumento en la concentración del segmento de entidades financieras privadas y su capacidad de fijar precios en el mercado. Por otro lado, se expone la elevada concentración sectorial y regional del crédito y el bajo acceso de las pequeñas y medianas empresas a los préstamos. Todo lo cual configura un cuadro de continuidad en el sistema financiero reformado durante la dictadura y que está muy lejos de responder a las necesidades de financiamiento del desarrollo.<br />

Housing Finance in Early 20th Century Suburban Toronto

This study examines the financing of housing production and consumption in five early twentieth-century Toronto suburbs. The study areas range in status from upper-middle class to working class. Research findings include the persistence of a traditional pattern of finance characterized by high levels of cash transactions and private financing. Institutional lenders, while influential in financing high-status housing played a relatively minor role in the overall provision of mortgage funding. The study adds to our understanding of the role of housing finance during this formative period when the major element of modern suburbanization, including the emergence of a corporate land development industry, were being established