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Determinasi Pembiayaan Murabahah Berbasis Analisis Resiko Pada Bank Umum Syariah di Indonesia

Africa, Laely Aghe (2020) Determinasi Pembiayaan Murabahah Berbasis Analisis Resiko Pada Bank Umum Syariah di Indonesia. Jurnal Riset Akuntansi dan Perpajakan, 7 (1). pp. 43-52. ISSN 2339 - 1545

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Abstract

Majority of people in Indonesia prefer Murabahah financing to other types of loans in Indonesia Sharia Banks. Murabahah financing must also be influenced by a number of factors in the banking industry. This research aimed to analyze whether the following factors such us credit risk, liquidity risk and operational risk can influence Murabahah Financing.Credit risk is proxied by CKPN (Allowance For Impairment Losses Of Credits), NPF (Non Performing Financing), Risk Concentration of Funds Distribution to Core Debtors. Liquidity risk is proxy by FDR (Financing to Depoit Ratio) and profit sharing financing to total financing, Operational risk is proxied by BOPO (Operating Expense To Operating Revenue). This study uses secondary data from the Indonesia Stock Exchange for the period 2009-2018. Data analysis technique used in this study is multiple linear regression analysis techniques using SPSS 23. The result of the study are that credit risk and liquidity risk affect to Murabahah Financing. Beside that, it has implication for Islamic banking companies can minimize the risks that exist in company so that Murabahah financing continues to demand the customer.

Item Type: Article
Subjects: 600 - TECHNOLOGY > 657 - ACCOUNTING > 657.9 - ACCOUNTING-BANK
Divisions: Lecturer
Depositing User: LAELY AGHE AFRICA
Date Deposited: 21 Aug 2020 17:13
Last Modified: 21 Aug 2020 17:13
URI: http://eprints.perbanas.ac.id/id/eprint/6947

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