FAKTOR-FAKTOR YANG DIPERTIMBANGKAN DALAM PENENTUAN NISBAH BAGI HASIL ATAS PEMBIAYAAN MUDHARABAH PADA BANK SYARIAH

BUDIATI, AFRILIA ANNISA (2007) FAKTOR-FAKTOR YANG DIPERTIMBANGKAN DALAM PENENTUAN NISBAH BAGI HASIL ATAS PEMBIAYAAN MUDHARABAH PADA BANK SYARIAH. Other thesis, University of Muhammadiyah Malang.

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Abstract

This research is a case study on three Islamic Bank in Malang, namely PT. Bank Muamalat Indonesia, Tbk, PT. BRI (Persero) Syariah Business Unit, and PT. BNI Syariah with the heading "Factors Considered In Determining Upper Sharing Ratio Mudharabah on Islamic Banking." The purpose of this study was to determine the calculation of profit sharing ratio of financing, the factors considered and the most considered factor in determining the profit sharing ratio of financing is given to customers every Islamic bank. In this study, data analysis was done by classifying the data obtained from each Islamic bank, describing all the data obtained, comparing the data obtained from an Islamic bank with other Islamic banks., Identify strengths and weaknesses of the calculation and the factors considered in determination of the profit sharing ratio of financing in every Islamic bank and draw conclusions from the research that has been done. From interviews conducted by the author, it can be concluded that the calculation of profit sharing ratio of financing is applicable in every Islamic banks differ from bank to one another, but in the calculation of financing, every Islamic bank remains guided by the National Sharia Board Fatwa . And note the factors considered in determining the profit sharing ratio of financing is as follows: The percentage of average net income / profit effective equivalent, nominal amount of financing the proposed customers, the ability of customers to pay installments, the risk to be received upon the bank of financing, terms of repayment of financing, market competition situation, good relationship between banks and customers, conventional interest rates, and customer willingness to pay installments. While most considered factor in determining the profit sharing ratio of financing is as follows: The percentage of average net income / profit effective equivalent. Based on the above conclusions, the authors may imply that better management of Islamic banks more transparent again in the calculation of profit sharing ratio of financing is included in the method of determining the average percentage of income / profit effective equivalent or profit targets for each client, so that customers feel comfortable in working with Islamic banks

Item Type: Thesis (Other)
Subjects: H Social Sciences > HB Economic Theory
Divisions: Faculty of Economic > Department of Accounting
Depositing User: Zainul Afandi
Date Deposited: 07 May 2012 07:33
Last Modified: 07 May 2012 07:33
URI: http://eprints.umm.ac.id/id/eprint/4559

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