ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PERMINTAAN MURABAHAH KPR : Survey Pada Bank Umum Syariah di Indonesia

    Egiana, Mida (2013) ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PERMINTAAN MURABAHAH KPR : Survey Pada Bank Umum Syariah di Indonesia. S1 thesis, Universitas Pendidikan Indonesia.

    Abstract

    Produk pembiayaan mudharabah sebagai core product bank syariah merupakan tulang punggung bank syariah dalam melaksanakan fungsi intermediasinya. Produk pembiayaan mudharabah memiliki ciri pokok yang berbeda dengan produk kredit bank konvensional, yaitu dalam hal pemberian imbalan kepada mudharib (debitur) berupa nisbah bagi hasil yang disepakati kedua belah pihak. Nisbah bagi hasil dikatakan rasional bagi kedua belah pihak jika pertimbangan mudharib mengakomodasi pertimbangan bank (kreditur) dalam penetapan besarnya nisbah bagi hasil. Penelitian ini bertujuan untuk mengetahui dan menganalisis tentang faktor-faktor yang mempengaruhi permintaan murabahah kepemilikan rumah. Metode yang digunakan dalam penelitian ini adalah deskriptif/kuantitatif dengan menggunakan dokumen dan studi kepustakaan sebagai alat pengumpulan data, data yang telah terkumpul kemudian dianalisis dengan menggunakan regresi liniear data panel dengan dibantu program aplikasi EViews07. Berdasarkan hasil penelitian diperoleh bahwa faktor-faktor yang mempengaruhi permintaan murabahah kepemilikan rumah adalah margin keuntungan, dan bunga pada bank lain. Kedua faktor tersebut secara signifikan mempengaruhi permintaan murabahah kepemilikan rumah yang diterapkan pada bank umum syariah di Indonesia.

    Kata Kunci : margin keuntungan, bunga pada bank lain, permintaan murabahah

    Mudharabah financing product as a core product of Islamic bank is a backbone to implement the Islamic bank’s intermediation function. It has a different characteristic of a conventional bank loan product, in terms of providing compensation to mudharib (debtor) in the form of nisbah (profit sharing ratio) is agreed by both parties. The profit sharing ratio is said to be rational for both parties if the mudharib consideration accommodate bank consideration (lender) in fixing the amount of the profit sharing ratio. This study aims to identify and analyze the factors that affect the murabahah demand for home ownership. The method used in this research is descriptive/quantitative study using a document and literature as a means of data collection, after that the data is collected and analyzed using linear regression with panel data aided EViews07 application program. The result showed the factor that influences the murabahah demand for home ownership is profit margins and interest in the other bank. Both of these factors significantly affect the murabahah demand for home ownership, which is applied in Islamic banks in Indonesia.

    Key Words : profit margins, interest in the other bank, murabahah demand

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    Official URL: http://repository.upi.edu
    Item Type: Thesis (S1)
    Uncontrolled Keywords: margin keuntungan, bunga pada bank lain, permintaan murabahah
    Subjects: H Social Sciences > H Social Sciences (General)
    H Social Sciences > HA Statistics
    H Social Sciences > HC Economic History and Conditions
    H Social Sciences > HD Industries. Land use. Labor
    H Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management
    Divisions: Fakultas Pendidikan Ekonomi dan Bisnis > Pendidikan Ekonomi
    Depositing User: DAM STAF Editor
    Date Deposited: 11 Sep 2014 03:01
    Last Modified: 11 Sep 2014 03:01
    URI: http://repository.upi.edu/id/eprint/11353

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