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Title: | Faktor-Faktor Yang Memengaruhi Pendapatan Margin Murabahah Pada Produk KPR Syariah: Studi Kasus Bank Syariah Indonesia |
Authors: | Lubis, Deni Muthohharoh, Marhamah Pranayutantri, Olga Aulia |
Issue Date: | 2022 |
Publisher: | IPB University |
Abstract: | Pembiayaan KPR syariah dengan akad murabahah adalah produk pembiayaan
konsumtif unggulan di Bank Syariah Indonesia dan menjadi salah satu penyumbang
terbesar dalam pendapatan bank. Penelitian ini dilakukan untuk mengetahui
karakteristik margin KPR syariah dan faktor yang memengaruhi pendapatan margin
murabahah pada produk KPR syariah. Model yang digunakan adalah regresi linear
berganda dengan metode OLS. Hasil penelitian menyimpulkan bahwa volume
pembiayaan murabahah dan inflasi tidak berpengaruh signifikan terhadap pendapatan
margin murabahah. Non performing financing (NPF) berpengaruh negatif signifikan
terhadap pendapatan margin murabahah. Biaya operasional per pendapatan
operasional (BOPO), BI rate, growth, dan dummy merger berpengaruh positif
signifikan terhadap variabel pendapatan margin murabahah. Bank Syariah Indonesia
harus memperhatikan variabel- variabel terkait dengan pendapatan margin murabahah
karena merupakan penyumbang pendapatan terbesar. Islamic mortgage financing with a Murabaha contract is the leading consumer financing product at Bank Syariah Indonesia and is one of the largest contributors to bank income. This research was conducted to find out the margin characteristics of Islamic mortgages and the factors that influence the murabaha margin income in the Islamic mortgage product. The model used is multiple linear regression with the OLS method. The result of this research concludes that murabaha's financing volume and inflation have no significant effect on murabaha's margin income. Non-performing financing (NPF) has a significant negative effect on murabaha's margin income. Operational efficiency ratio (BOPO), BI rate, and growth have a significant positive effect on variable income margin murabaha. The findings in this research are the effect of BOPO, NPF, BI Rate, growth, and dummy merger on murabaha margin income. Bank Syariah Indonesia must pay attention to variables related to murabaha margin income because they are the largest contributor. |
Description: | File Skripsi |
URI: | http://repository.ipb.ac.id/handle/123456789/113929 |
Appears in Collections: | UT - Syariah Economic |
Files in This Item:
File | Description | Size | Format | |
---|---|---|---|---|
Cover, Lembar Pengesahan, Prakata, Daftar Isi.pdf Restricted Access | Cover | 2.6 MB | Adobe PDF | View/Open |
H54180026_Olga Aulia Pranayutantri.pdf Restricted Access | Fullteks | 13.04 MB | Adobe PDF | View/Open |
Lampiran.pdf Restricted Access | Lampiran | 1.2 MB | Adobe PDF | View/Open |
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