Pengaruh Tingkat Marjin Murabahah Terhadap Financing To Deposit Ratio dan Non Performing Financing Pada Bank Syariah di Indonesia Periode 2010-2012
Abstract: This study aims to
determine the effect of the murabahah margin rate to Financing to Deposit Ratio
and Non Performing Financing on Indonesian Sharia Banks in the period
2010-2012. This study uses quantitative approach by using path analysis with
three kinds of variables, which are murabahah margin rate as an exogenous
variable, Financing to Deposit Ratio as an intervening endogenous variables and
Non Performing Financing as an endogenous variable. The Sharia Banking industry
is used as sample in this study, which consist of Sharia Comercial Banks (BUS)
and Sharia Business Unit of a Conventional Bank (UUS). Furthermore, this study
uses secondary data which conducted by collecting monthly financial statements
for three years.
The results showed that murabahah margin rate has significantly negative
effect to Financing to Deposit Ratio (FDR) of Sharia Banking in Indonesia.
Meanwhile, murabahah margin rate has significantly positive effect to Non
Performing Financing (NPF). It also happens to the effects of Financing to
Deposit Ratio (FDR) to Non Performing Financing (NPF) of Sharia Banks in
Indonesia period 2010-2012.
Keywords: Sharia Banking,
Murabahah Margin Rate, Financing to Deposit Ratio (FDR), Non Performing
Financing (NPF)
Penulis: Nareswari Saputro,
Imron Mawardi
Kode Jurnal: jpmanajemendd141234
