FAKTOR-FAKTOR YANG MEMPENGARUHI PENETAPAN MARGIN MURABAHAH PEMBIAYAAN KONSUMTIF DI BANK KALTIM SYARIAH
Abstract: 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
(<)0.05 namely 0.000; 2) Moreover, the next investigation found that
inflation (X3) was the most dominant variable in this study for its Inflation
beta value was more 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.
Kata kunci: Murabahah, Pembiayaan Konsumtif, Bank Syariah
Penulis: Kenda Satya
Kode Jurnal: jpmanajemendd131212
