SISTEM PEMBIAYAAN MUDARABAH PADA BANK SYARIAH STUDI ANALISIS TERHADAP KEPATUHAN SYARIAH DAN RISIKO
Abstract
Mudarabah Financing is an ideal product for Islamic banks, so that
should have a larger portfolio compared with the other covenants. Data for the
study period from 2011-2015 point to the fact that instead. The average
portfolio for a population of mudaraba financing 2.42% and 15.63% of the
study sample was smaller than the other covenants, the level of non-performing
financing (NPF) amounted to 10.66% of the population and the sample was 9.68
%, but has shari'a compliance rate averaged 80.11%.
This study analyzed from the perspective of financing mudarabah sharia
compliance and risk level because they are an important indicator of
performance of Islamic banks. Data were analyzed as secondary data from
published reports and primary data obtained through interviews and interviews.
With analytical methods such as Structural Equation Model (SEM) with a unit
of analysis 24 of 58 SRB SRB around Indonesia that deliver financing
mudarabah and respondents of 264 people made up of the owners, directors,
employees, supervisors and clients sharia.
The analysis showed that a low mudarabah financing as a result of the
high risk of being influenced by the customer. While the management of
Islamic banks do not have a significant effect on the mudarabah financing.
Other tests showed that sharia compliance as a factor causing an increase in
mudarabah funding. But, there are three SRB successfully developed mudarabah
financing. With the level indicator NPF and syariah compliance, where the
average NPF only 0.32%, lower than the average of other BPRS 9.68% and
formal sharia compliance of 84.68%
higher than the average of other SRBs of 80.11%. The SRB success in
channeling funding mudarabah influenced by the ability to set up a special
human resources that manage funding mudarabah,
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- Doctor of Economics [59]