PENGARUH STRUKTUR PEMBIAYAAN TERHADAP KINERJA KEUANGAN PERBANKAN SYARIAH YANG GO PUBLIC PERIODE 2005-­2009

Prasetyo, Agung Dwi (2010) PENGARUH STRUKTUR PEMBIAYAAN TERHADAP KINERJA KEUANGAN PERBANKAN SYARIAH YANG GO PUBLIC PERIODE 2005-­2009. Other thesis, University of Muhammadiyah Malang.

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Abstract

The purpose of this study is to determine the condition of Islamic bank financing structure and the influence of income murabaha, mudaraba and musharaka affecting liquidity, capital adequacy, and profitability of banks that go public in the Bank Indonesia (BI). The independent variables in this study is income murabaha, mudaraba and musharaka. Both of these variables investigated by partial effects (individual) and simultaneously (shared) to the dependent variable is the liquidity, capital adequacy, and profitability. Data from each variable were taken with the technical documentation by the end of the period during the years 2005 to 2009. Analisinya technique uses multiple linear regression. As we know the structure of financing in Islamic banks which operate under the principles of Islam offers a system of profit sharing to its customers. But the fact of the three banks that have been studied show that the Bank Muamalat, Bank Syariah Mandiri and Bank Syariah Mega spend more buying and selling patterns of financing with a fixed return with little risk during the period 2005­2009 compared with a profit sharing scheme fluctuates with greater risks. From the results of F test of significance test shows that the F test for the average income murabahah, mudaraba and musharaka is 2357.332 and the F table value of 3.29 at. Since F calculated> F table then Ho is rejected or a showing that the average income murabahah, mudaraba and musharaka simultaneously on the loan to deposit ratio (LDR) (Y1) is significant. T test results showed that the variables murabaha and musharaka is partially a significant effect on profitability. Variable has the value t count murabaha 5275> table t 2.201 at α = 5%. mudaraba have t value ­1339 t table α = ­2.201 at 5%. Coefficient of determination (R ²) is 99.8%, this shows the income variable murabahah, mudaraba and musharaka able to explain 99.8% of the LDR, while 0.2% described by other variables not included in this research model. From the results of F test of significance test shows that the F test for the average income murabahah, mudaraba and musharaka is 11 114 and F table value of 3.29 at. Since F calculated>F table then Ho is rejected or a showing that the average income murabahah, mudaraba and musharaka simultaneously on the Capital Adequacy Ratio (CAR) (Y2) is significant. T test results showed that the murabaha, mudaraba, partially not significantly affect profitability. Variable has the value t count murabaha ­2.370> t ­2.201 table at α = 5%. mudaraba have t value ­1.427 ­2.201 on table t α = 5%. Coefficient of determination (R ²) is 88.6%, this shows revenue murabahah, mudaraba and musharaka able to explain 75.2% of CAR, while 24.8% explained by other variables not included in this research model. From the results of significance test F test shows that the F test for the average income murabahah, mudaraba and musharaka is 9.266 and F table value of 3.29 at. Since F calculated > F table then Ho is rejected or a showing that the average income murabahah, mudaraba and musharaka simultaneously to the net profit margin (NPM) (Y2) is significant. T test results showed that partially murabaha and musharaka no significant effect on profitability. Variable has the value t count murabaha ­1.882> t –2.201 table at α = 5%. Musharaka has a t value ­1.365 <2.201 t table at α = 5%, while the variable has the value t count mudaraba ­3.164> t ­2.201 table at α = 5%. Coefficient of determination (R ²) is 71.6%, this shows the income variable murabahah, mudaraba and musharaka able to explain 71.6% of NPM, while 28.4% explained by other variables not included in this research model. From the whole analysis can be concluded that the greater the revenue murabaha, mudaraba and musharaka it will affect the level of liquidity, capital adequacy, and profitability of a bank.

Item Type: Thesis (Other)
Subjects: H Social Sciences > HB Economic Theory
Divisions: Faculty of Economic > Department of Economics and Development Studies
Depositing User: Rayi Tegar Pamungkas
Date Deposited: 22 May 2012 02:09
Last Modified: 22 May 2012 02:09
URI: http://eprints.umm.ac.id/id/eprint/5646

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