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EFFECT OF INFLATION RATE, NON PERFORMING FINANCING (NPF), AND NUMBER OF BRANCH OFFICES ON MURABAHAH FINANCING AT BANK MUAMALAT INDONESIA Muhammad Fatchullah El Islami; Tiara Juliana Jaya
AL-IQTISHADIYAH : EKONOMI SYARIAH DAN HUKUM EKONOMI SYARIAH Vol 8, No 1 (2022): Jurnal al-Iqtishadiyah
Publisher : Fakultas Studi Islam Universitas Islam Kalimantan Muhammad Arsyad Al Banjary

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (884.917 KB) | DOI: 10.31602/iqt.v8i1.6876

Abstract

The development of the Islamic economic system was marked when there was a monetary crisis that hit capitalist countries and Indonesia. Bank Muamalat Indonesia became the first Islamic bank in Indonesia as well as being able to exist to survive in the conditions of the monetary crisis. Seeing the consumptive habits of the Indonesian people, murabahah financing products became one of the most popular products for customers. This study will answer whether Inflation, NPF, and the Number of Branch Offices have a significant effect on Murabahah Financing at Bank Muamalat Indonesia. This type of research is a quantitative research using Bank Muamalat's quarterly secondary data, Inflation data from Bank Indonesia, and Number of Branch Office data from Islamic banking statistics for the period 2017-2021. The purpose of this study is to analyze the influence of variable inflation, non-performing financing (NPF), and the number of branch offices on the amount of murabahah financing at Bank Muamalat Indonesia. The study used multiple linear regression analysis methods. The results showed that the inflation variable had a positive effect on murabahah financing, the NPF variable had a negative effect on murabahah financing, while the variable number of branch offices had no effect on murabahah financing Perkembangan sistem ekonomi Islam ditandai ketika terjadi krisis moneter yang melanda negara-negara kapitalis dan Indonesia. Bank Muamalat Indonesia menjadi bank syariah pertama di Indonesia yang mampu bertahan dalam kondisi krisis moneter. Melihat kebiasaan konsumtif masyarakat Indonesia, produk pembiayaan murabahah menjadi salah satu produk yang diminati nasabah. Penelitian ini akan menjawab apakah Inflasi, NPF, dan Jumlah Kantor Cabang berpengaruh signifikan terhadap Pembiayaan Murabahah pada Bank Muamalat Indonesia. Jenis penelitian ini adalah penelitian kuantitatif dengan menggunakan data sekunder triwulan Bank Muamalat, data Inflasi dari Bank Indonesia, dan data Jumlah Kantor Cabang dari statistik perbankan syariah periode 2017-2021. Tujuan penelitian ini adalah untuk menganalisis pengaruh variabel inflasi, non performing financing (NPF), dan jumlah kantor cabang terhadap jumlah pembiayaan murabahah pada Bank Muamalat Indonesia. Penelitian ini menggunakan metode analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa variabel inflasi berpengaruh positif terhadap pembiayaan murabahah, variabel NPF berpengaruh negatif terhadap pembiayaan murabahah, sedangkan variabel jumlah kantor cabang tidak berpengaruh terhadap pembiayaan murabahah.
BRANDING PERBANKAN SYARIAH MELALUI PRODUK-PRODUK PENDANAAN Tiara Juliana Jaya
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 6 No 1 (2020): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 202
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (110.346 KB) | DOI: 10.36908/isbank.v6i1.133

Abstract

Sharia banking is expected to apply sharia values to its transactions. Sharia values have a transparent nature. Sharia banking should be based on sharia principles. Referring to sharia principles as described in the Qur'an. Based on the problem then the author took the theme of Sharia banking branding through funding products. The fund-raising consists of three sharia Giro products, sharia savings and sharia deposits. The methods used are methods of analysis used are qualitative methods, and case studies. The triangulation approach of the two techniques of Denzin triangulation (XXX) is the use of sources and methods. It can be used as a cornerstone that by using Sharia bank products has many benefits that can be made for Shahibul Maal (Fund owners) continue to improve performance by using Sharia banking branding on all products especially in funding products. Islamic brand must show and have the appeal to consumers, and provide training and evaluation of human resources in sharia banking that is spearheading to provide vast information to prospective mudharib.