Indikasi Moral Hazard Pada Pembiayaan Mudharabah Dan Murabahah Pada Bank Umum Syariah DI Indonesia (original) (raw)

This study aims to analyze the presence of Moral Hazard indications on Mudaraba and Murabaha Financing at Islamic Banks in Indonesia. It uses the NPF variable to measure the moral hazard indication. If the NPF is high, then there will be indications of moral hazard; but if the value of the NPF is low, then there will be no indication of moral hazard on Islamic banking. The population in this research is the Islamic banking in Indonesia in the period of 2007 to 2012. The sampling method is purposive sampling technique with the following criteria: First, Islamic banks which are enrolled in Legal Islamic Banks database; Second, Islamic banks which publish their Quarter financial statements during the period of 2007 – 2012; Third, Islamic Banks that have complete variable database to be studied. The data taken is the data that produces a positive return value. So, the numbers of sample that pass several measurements are defined. It is found 3 Islamic banks used as sample: BMI, BMSI, and...