PENGARUH PEMBIAYAAN MUSYARAKAH, PEMBIAYAAN MUDHARABAH, BI RATE DAN KURS (Rp-USD) TERHADAP LABA BERSIH PADA BANK MUAMALAT INDONESIA (BMI) SEBELUM DAN SESUDAH KRISIS PERIODE 2005-2012

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PENGARUH PEMBIAYAAN MUSYARAKAH, PEMBIAYAAN MUDHARABAH, BI RATE DAN KURS (Rp-USD) TERHADAP LABA BERSIH PADA BANK MUAMALAT INDONESIA (BMI) SEBELUM DAN SESUDAH KRISIS PERIODE 2005-2012

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Title: PENGARUH PEMBIAYAAN MUSYARAKAH, PEMBIAYAAN MUDHARABAH, BI RATE DAN KURS (Rp-USD) TERHADAP LABA BERSIH PADA BANK MUAMALAT INDONESIA (BMI) SEBELUM DAN SESUDAH KRISIS PERIODE 2005-2012
Author: Ramdani, Marlina
Abstract: Performance depends on the bank's internal and external factors. Internal factors are micro factors or specific factors that determine the profitability of banks. While external factors are the variables that do not have a direct relationship with the bank's management, but these factors are not directly give effect to the economy that will have an impact on the performance of financial institutions. The crisis that hit Asia particularly Indonesia Indonesian made into a collapsed economy and predicted the course until early 2014 that make conventional and Islamic banks anxious to face a crisis because with the crisis the government made a policy to increase the BI rate to stabilize the exchange rate. However, Islamic Banking has shown strength in the face of crisis (infobanksyariah, 2013). This study aims to examine and analyze the effect of the company 's internal musyaraka financing, mudharaba financing with external factors that interest rate and exchange rate before and after the crisis period of 2005-2012 in BMI simultaneously or partially against net income in BMI during the observation period June 2011 - November 2013. The method of used in this research is descriptive and verification. The data used in this study is a quantitative secondary data consisting of the data quarterly musharaka financing, mudharaba financing, interestrate andIDR-USD exchange rate to net income. The method of analysys used in this research is correlation analysis, coefficient of determination, and regression. As for testing the hypothesis using the F test for simultaneous hypothesis, and the t test for the hypothesis that partial processing done with SPSS 18.0 . The result of this study indicate using F test, suggesting that simultaneous Musyaraka Financing, Mudarabah financing, interest rate and IDR-USD Exchange Rateentire period from 2005 to 2012 there is an influence on net income on BMI, Based on the results (t test) partially musyaraka financing the entire 2005-2012 period H0 is rejected, meaning that there are significant musharaka financing to net income on the BMI, the results (t test) for the partial result of financing the entire period from 2005 to 2012 H0 is accepted, the results of financing means there is no effect on net income on BMI, results (t test) partially across the BI Rate 2009-2012 H0 is accepted, it means the BI rate has no effect on net income on the BMI, the results (t test) IDR-USD exchange rate partially H0 is accepted, meaning that the exchange rate has no effect on net income in BMI.
URI: http://repository.widyatama.ac.id/xmlui/handle/123456789/3043
Date: 2014


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