Indikasi Moral Hazard Pada Pembiayaan Mudharabah Dan Murabahah Pada Bank Umum Syariah DI Indonesia (original) (raw)
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Pengaruh Murabahah Terhadap Profitabilitas Bank Umum Syariah DI Indonesia
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Penelitian ini bertujuan untuk mengetahui pengaruh pembiayaan murabahah terhadap profitabilitas bank umum syariah di Indonesia. Profitabilitas dalam penelitian ini diukur dengan menggunakan ROA. Populasi yang digunakan adalah bank syariah yang terdaftar di BI dari tahun 2016 sampai dengan 2020, penarikan sampel menggunakan teknik purposive sampling, dan didapatkan 11 bank syariah yang memenuhi kriteria. Penelitian ini menggunakan uji statistik regresi linier sederhana dengan hasil sebagai berikut: variabel murabahah mempunyai nilai t-hitung sebesar 2,076 dan nilai t-tabel sebesar 2,00575 (t-hitung > t-tabel) dengan nilai signifikansi sebesar 0,043 < 0,05. Dengan demikian Ha diterima, yang berarti bahwa murabahah berpengaruh positif signifikan terhadap profitabilitas Bank Umum Syariah.
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Penelitian ini memiliki latar belakang yaitu dari data-data yang penulis peroleh dapat dilihat bahwa Dana Pihak Ketiga Bank Umum Syariah terus meningkat sedangkan Non Performing Financing Bank Umum Syariah mengalami perkembangan yang fluktuatif. Adapun perkembangan pembiayaan Bank Umum Syariah terus mengalami peningkatan setiap tahunnya. Semakin banyak pembiayaan yang disalurkan Bank Umum Syariah maka semakin tinggi juga risiko nasabah yang macet dalam pembayaran angsuran, tentunya hal ini sudah diantisipasi Bank Umum Syariah dengan memberikan pembiayaan dengan syarat yang ketat. Tujuan dari penelitian ini yaitu untuk mengetahui pengaruh Dana Pihak Ketiga dan Non Performing Financing terhadap pembiayaan Bank Umum Syariah di Indonesia. Tahapan metode dalam penelitian ini adalah diagram alir penelitian, pengumpulan data, studi pustaka, identifikasi masalah, praproses, analisis data (analisis data yang digunakan yaitu regresi linier berganda, uji normalitas, uji asumsi klasik (uji mult...
Al-Tijary, 2016
Unlike conventional banking, theoretically, Islamic banking has unique system called profit and loss sharing based financing which ensure both parties in the same level. But, in fact, some cases moral hazard has been occur in Islamic banking. Moral hazard is related to the circumstances, nature, and human characters that can increase the risk of large losses. Moral hazard in Islamic banking could occur in mudharaba and musyaraka financing when selecting, processing and monitoring of these mode of financing. The purpose of this study was to determine the factors lead to moral hazard in Islamic banking in Surakarta which offering mudharaba and musyaraka to their customers. This research was conducted at Islamic Banking in Surakarta, especially mudharabah and Musharaka financing as the unit of analysis. The data used in this study was obtained from the primary respondents to fill out questionnaires regarding to moral hazard issues. Factor analysis is used to determine the trend of the factors influencing moral hazard in profit sharing based financing. The results showed that the cause of the moral hazard of Muhdaraba and musyaraka financing is Asymmetric Information (0.917), client character (-0.884), scope of the contract (0.727), Monitoring (-0.881) and Collateral (0.647). The most dominant factor in the cause of moral hazard on mudharabah and Musharaka is Monitoring and Security.
Pembiayaan Murabahah Pada Perbankan Syariah di Indonesia
AT-TAWASSUTH: Jurnal Ekonomi Islam
The research purpose to find out how is murabahah financing in Indonesia Islamic banking. The research method is used in the form of library research which collecting data by using written materials. Islamic banking has two intermediation functions. First, Islamic banking raise funds from the people and second, Islamic banking distribute funds via financing. One of Islamic banking financing is murabahah. Murabahah is selling/purchasing transaction with the agreed profit. Murabahah characteristic is the seller has to tell to the buyer about product purchase price and agreed profit. Murabahah has two ways, murabahah with order and without order. The survey results shown that Islamic banking has applied murabahah as their main financing. Keywords: Islamic banking, financing, murabahah.
Urgensi Karakter dalam Analisa Pembiayaan Murabahah di Bank Syariah Indonesia
Etihad: Journal of Islamic Banking and Finance, 2021
The character of the customer is very important to analyze in the process of financing analysis. Character is an aspect of personal nature and concerns the depth of an individual's soul, so that character becomes difficult to identify. The purpose of this study was to determine whether Bank Syariah Indonesia KCP Nganjuk also conducted an in-depth character analysis. This field research uses a qualitative approach, with data collection techniques carried out using interviews and documentation. The data processing technique is done by data reduction, data presentation, and then conclusions. The results of this study are discrepancies in several points in the assessment using character analysis because at Bank Syariah Indonesia KCP Nganjuk implements 5C completely, although according to them, the character is important, the character can change along with financial conditions, economic conditions such as because of covid-19, dishonest customer character, manipulated business or wor...
2014
This research aimed at knowing the effect of mudaraba, musyaraka, murabaha, istishna, and ijarah financing on the profitability of Sharia Commercial Banks in Indonesia. The profitability is measured by using return on assets (ROA). The data used in this research were collected from the Quartely Financial Report Published by Sharia Commercial Banks during period of 2009-2013. The sampling method of this research is using purposive sampling. The samples consist of three Sharia Commercial Banks. Those are Bank Muamalat Indonesia, Bank Mandiri Syariah, and BRI Syariah. The technical analysis used in reasearch is multiple linear regression. This research found that the mudharabah and musyaraka financing have negative effect, while murabahah, istishna,and ijarah have positive effect on profitability of Sharia Commercial Banks in Indonesia. However, only murabaha and istishna have significant effect on profitability of Sharia Commercial Banks in Indonesia.
Indonesian Journal of Applied Accounting and Finance, 1(2), 193-209, 2021
The aim of the research is to determine the effect of murabahah, mudarabah, musharakah and istisna' financing on the level of profitability (ROA) of Islamic Banks (IB) in Indonesia. This research was conducted using multiple linear regression analysis by taking a sample of four BUS which regularly publish quarterly financial reports during the 2015-2018 period. The result shows that score of R 2 less then 50% which implied that the model of the research is not sufficient in explaining the ROA level in IBs. It is aligned with previous studies that used similar dependent and independent variables. Murabahah, mudarabah, musharakah, and istisna' financing simultaneously and significantly affect the level of profitability in IBs. Mudarabah financing significantly and positively affects the level of profitability while musharakah financing significantly and negatively affects the level of profitability of IBs. In contrary, istisna' and murabahah financing do not significantly affect the level of profitability.
Jurnal Dinamika Akuntansi dan Bisnis, 2014
The purpose of this study is to examine and analyze the effect of Musharaka financing risk and the risk of murabaha financing to profitability in Indonesian Islamic banks. The target population of this research is Islamic Banks in Indonesia that registered for three consecutive years. Based entire population, there are 11 Islamic bank for 3 years with 33 observation data. The multiple regression analysis model in used to test the hypothesis. The results of this study indicate that the risk of Musharaka financing and murabahah risks simultaneously affect on profitability. In partial Musharaka financing risk and the risk of murabaha financing have positive influances on profitability.
Praktik Pembiayaan Mudharabah dan Musyarakah terhadap Profitabilitas Bank Umum Syariah di Indonesia
Shafin: Sharia Finance and Accounting Journal, 1970
Penelitian ini bertujuan untuk mengetahui dampak pembiayaan mudharabah dan pembiayaan musyarakah terhadap profitabilitas bank umum syariah di Indonesia (Periode 2017-2019). Dalam penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian asosiatif. Popolasi yang digunakan adalah seluruh Bank Umum Syariah yang terdaftar di Indonesia. Teknik pengambilan sampel yaitu dengan menggunakan teknik Simple Random Sample. Teknik analisis data menggunakan uji asumsi klasik (uji normalitas, uji autokorelasi, uji heteroskedastisitas, uji multikolinearitas), uji analisis persamaan regresi linear berganda, dan uji statistik (uji t, uji F dan uji koefisien determinasi). Hasil penelitian menunjukkan bahwa pembiayaan mudharabah dan pembiayaan musyarakah secara simultan berpengaruh signifikan dan positif terhadap profitabilitas (ROA). Hasil pengujian secara parsial menunjukkan bahwa pembiayaan mudharabah berpengaruh signifikan dan positif terhadap profitabilitas (ROA), sedangkan pembiay...