scholarly journals Assessing Factors Influencing Moral Hazard of Mudharaba And Musyaraka Financing in Islamic Banking; Case Study in Surakarta

AL-TIJARY ◽  
2016 ◽  
Vol 1 (2) ◽  
Author(s):  
Indah Piliyanti ◽  
Afrilianti Afrilianti
Author(s):  
Siti Sarah Januri ◽  
Muhammad Asyraf Muhamad Pozi ◽  
Muhammad Hakimie Nadzri ◽  
Muhammad Syafiq Zainuddin

2020 ◽  
Vol 3 (2) ◽  
pp. 141
Author(s):  
Fatkur Rohman Ahmad

<p><em>T</em><em>he purpose of this study is to identify factors influencing the low volume of profit sharing-based financing products of BMT Jepara. This study uses interviews with several related parties, including: the academician, practitioners, and customers. The problem of low profit sharing-based financing products in this study is viewed from three aspects: internal,  external, and regulation aspects. Based on the results of the study, from the internal aspect of BMT, the problem of profit sharing-based financing productst is caused by six factors, namely: High risk, Lack of quality and quantity of Human Resources, Complicated handling, No product innovation, Asymmatric information, and Lack of socialization. Meanwhile, the external aspects of BMT is caused by three factors, namely: Moral hazard, Lack of community’s knowledge on Islamic banking products, and Low of demand. Finally, from the aspect of the regulation, the low profit sharing-based financing products caused by lack of support from the regulator. Based on the results of this study, BMT is expected to develop and innovate its products in order to minimize the risk, as well as to socialize  to  the  community  so  that  people  know  the  products  of  BMT.  To  the customers of BMT are expected to better understand   products of the Syariah Banking. The Regulators are expected to regulate supporting policies to encourage the  growth of profit sharing-based financing products so that the Islamic Bank would enhance the  economic welfare of the Islamic society in the future.</em></p>


ALQALAM ◽  
2016 ◽  
Vol 33 (1) ◽  
pp. 46
Author(s):  
Aswadi Lubis

The purpose of writing this article is to describe the agency problems that arise in the application of the financing with mudharabah on Islamic banking. In this article the author describes the use of the theory of financing, asymetri information, agency problems inside of financing. The conclusion of this article is that the financing is asymmetric information problems will arise, both adverse selection and moral hazard. The high risk of prospective managers (mudharib) for their moral hazard and lack of readiness of human resources in Islamic banking is among the factors that make the composition of the distribution of funds to the public more in the form of financing. The limitations that can be done to optimize this financing is among other things; owners of capital supervision (monitoring) and the customers themselves place restrictions on its actions (bonding).


2013 ◽  
Vol 824 ◽  
pp. 561-567 ◽  
Author(s):  
U.J. Udosen ◽  
A.P. Ugboya

This study analyzes oil palm production from 2001 - 2008 in Edo State, with a view of establishing the future of Nigerian Agricultural oil palm industries. The specific objectives were to identify and quantify the factors influencing the production of oil palm, reveal the constraints to the production of oil palm; analyze the viability of oil palm production as an investment and predict the future of oil palm enterprise in Edo State. Three Local Government Areas of high oil palm concentration in Edo State were covered. Ninety selected oil palm producers from nine villages in the study area were selected. Frequency distributions and multiple regression analysis were used to analyze the results. The results showed that for the period under review (2001 - 2008) on a per hectare basis, seedlings cost, and labour cost were significant inputs, positively influencing the production of oil palm in the Edo State. A growth rate of 6.2% and 23.5% were projected for oil palm with reference to palm oil and fresh fruit bunches (FFB), respectively, up to the year 2020, an indication that oil palm production in the State is viable and the future is bright. The study revealed that inadequate storage facilities, poor planting materials and lack of government assistance, among others, are major bottlenecks in oil palm production in Edo State. However, since oil palm production in Edo State is viable, it is an indication that the future of Nigerian Agricultural Industries is bright.


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