PENGARUH PENDAPATAN MUDHARABAH DAN MURABAHAH TERHADAP PROFITABILITAS BANK MANDIRI SYARIAH

Widyatama Repository

PENGARUH PENDAPATAN MUDHARABAH DAN MURABAHAH TERHADAP PROFITABILITAS BANK MANDIRI SYARIAH

Show full item record

Title: PENGARUH PENDAPATAN MUDHARABAH DAN MURABAHAH TERHADAP PROFITABILITAS BANK MANDIRI SYARIAH
Author: Pravitasari S, Citra
Abstract: Crisis that hit the Indonesian banking industry shows that the conventional banking system is not the only system that can be relied upon. Currently, syariah banking system is more developed and become an attractive alternative for the company as a business, academia as a provider of human resources and the public as users of banking services. Syariah banking services naturally refers to two categories of economic activity, production and distribution. In the production category is facilitated through a profit sharing scheme, the mudarabah financing is provided to assist debtors who need capital to a business or project. While the activities of benefit distribution outcomes products through trading scheme (Murabahah) and leasing (ijarah). By obtaining income from financing disbursed, bank profitability is expected to improve, which is reflected in the increasing profitability. Profiatbility is one of the indicators used to assess the performance of the bank. Profotability bank may indicate that either the bank's financial performance. Profitability can be measured using ratio analysis, Return on Assets (ROA), Return on Equity (ROE), Cost Ratio and Net Profit Margin (NPM). At this penelititian author will calculate the profitability using a benchmark Return On Asset (ROA), with the consideration that the ROA is one of the best profitability assessment tool in the assessment of the bank used by Bank Indonesia as the banking authorities. Based on data from the Financial Statements of Bank Mandiri Syariah, total assets held by the Bank Mandiri Syariah continues to increase every year. However problems arise, the growth of total assets followed by a pre-tax profit growth. Under these conditions, compelled to know the author, learn and investigate further the issues that will be packaged in a research report entitled "MUDHARABAH INCOME EFFECT ON THE LEVEL OF PROFITABILITY AND MURABAHAH INDEPENDENT SYARIAH BANK PERIOD 2008-2012." The method used in this research is descriptive method and verification method. Based on purposive sampling method according Sugiyono (2003), the samples selected in this study, namely Bank Mandiri Syariah. Through these samples, researchers will calculate and compare the value of income mudarabah, murabahah and profitability ratios with an indicator or formula calculations have been determined from the initial data that has been collected from 2008 through 2012. Based on the results of multiple regression test showed that the effect on profitability mudaraba income derived from comparisons with t-test and t-table is the value of t-test (3.206) > t-table (3182), meaning that H0 is rejected and Ha accepted, whereas the effect on profitability murabaha income derived from the comparison of t-test with t-tabel is the value of t-test (3,451) > t-table (2.110), meaning that H0 is rejected and Ha accepted.
URI: http://repository.widyatama.ac.id/xmlui/handle/123456789/2731
Date: 2013


Files in this item

Files Size Format View
Cover.pdf 193.7Kb PDF View/Open
Abstrak.pdf 197.5Kb PDF View/Open
Bab 1.pdf 491.7Kb PDF View/Open
Bab 2.pdf 879.7Kb PDF View/Open
Bab 5.pdf 401.6Kb PDF View/Open
Daftar Pustaka.pdf 205.5Kb PDF View/Open

This item appears in the following Collection(s)

Show full item record