DETERMINAN PEMBIAYAAN MURABAHAH (STUDI PADA BANK SYARIAH MANDIRI)

Abstract

This research is meant to test the Determinants of MurabahahFinancing that can be seen from the rate i.e.: (a)
Non Performing Financing (NPF) or the rate of financing problems; (b) Financing to Deposit Ratio (FDR) or
the rate of distributed finance; (c) The third Parties Fund (DPK) or the level of fund which is accepted by the
society; (d) Capital Adequacy Ratio (CAR) or the level of capital adequacy.The data has been done by using
Mandiri Sharia Bank in 2010-2014 periods by usingquarter monthstime series, 20 quarter months with the
amount of observations are 100 have been obtained as the research samples. The data analysis has been done by
using multiple linear regressions with the SignificantIndividualParameters test (Statistic t test).The result of
this research shows: (a) NPF has positive influence to the Murabahah finance. It occurs because the difference of
Non PerformingFinancing of eachproduct of distributed akadmurabahah; (b) FDR has positive influence to the
Murabahah financing. It has been proven that bank canadjust between theamounts of funds that has been
receivedby the distributed murabahahfinancing; (c) DPK has positive influence to the murabahah financing,
because high amount of funds will increase the distribution of murabahah financing; (d) CAR has positive
influence to the murabahah financing. It shows that bank has proper procurement level of minimum capital in
order to cover the loss from the distribution of murabahah financing.
Keywords: Murabahah Financing,Non Performing Financing (NPF), Financing to deposit Ratio (FDR),
The Third Parties Fund (DPK), Capital Adequacy Ratio (CAR).