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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Date
2014
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Publisher
Universitas Widyatama
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.
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Keywords
Pembiayaan Mudharabah, Pembiayaan Musyarakah, BI Rate, Kurs (Rp-USD), Laba bersih Sebelum dan Sesudah Krisis, Musyaraka Financing, Mudharaba Financing, Interest Rate, (Rp-USD) Exchange Rate, Net Income After and Before Crisis