Revenue Sharing Transactions, Risk and Profitability in Islamic Bank of Indonesia (original) (raw)
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Effect of Financing of Revenue Sharing on Return on Assets of Sharia Commercial Banks in Indonesia
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This research dealt with microeconomics finance that focused on the opportunity to implement profit sharing design on moneylenders in order to develop the principles of Islamic banking service. The method of this research was using descriptive analysis and logistic regression that was applied to two kinds of respondents; namely, Moneylenders as the fund owner and Customer as the fund user in the traditional market in Surabaya, Indonesia. The result showed that moneylenders agree to use profit sharing design more than their customer. This finding could be used as a good opportunity for Islamic banking to apply its principles into traditional markets. There were some variables which influence moneylenders to agree with the design of profit sharing, they were: initial capital and the number of customer with positive direction and the number of dependents with negative direction. On the other hand, variables that influence customer to agree with profit sharing scheme were initial capita...
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Operational of Islamic Banking always prioritize the principles of Muamalat (transaction or dealing), fairness, and togetherness between the bank and the customer. These principles are the foundation resulting in Islamic banks outperforms other conventional banks. The fairness principle is also used in dividing the profit including Profit Distribution Management (PDM). PDM is the profit distribution based on the ratio agreement between the Islamic bank and depositor. The fluctuation movement of PDM is influenced by several factors including internal and external factors. Some internal factors of Islamic banks influencing PDM including are Capital Adequacy, Effectiveness of Depositors Funds, Asset Composition, Deposits, Productive Assets Management, and Inflation Rate. This study aims to investigate and analyse the factors affecting PDM. This study was conducted at 11 general Islamic bank registered in Indonesia in the period of 2012 to 2016. The results show that there are four factors significantly influencing PDM, namely: Capital Adequacy, Effectiveness of Depositors Funds, Asset Composition and Deposits. Two other factors, namely: Productive Assets Management and Rate of Inflation have no significant influence on PDM.
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