scholarly journals Pengaruh Bagi Hasil, Kelompok Acuan, Kepercayaan Dan Budaya Terhadap Minat Menjadi Nasabah Bank Syariah

2019 ◽  
Vol 1 (3) ◽  
pp. 1322-1336
Author(s):  
Gicella Fanny Andriani1 ◽  
Halmawati Halmawati
Keyword(s):  
Multiple Regression ◽  
Significant Influence ◽  
Profit Sharing ◽  
Positive Influence ◽  
Islamic Banks ◽  
Reference Groups ◽  
Regression Techniques

This research aims to determine whether profit sharing, reference groups, beliefs and culture have a significant influence on the interest in being a customer of Islamic banks partially or simultaneously. A total of 95 questionnaires were returned with complete and processed conditions. By using multiple regression techniques, the results of the study show that profit sharing and reference groups do not affect the interest in becoming a customer of Islamic banks. Trust has a positive influence on the interest in becoming a customer of Islamic banks. The higher the level of trust in the bank, the higher the customer will invest funds in the bank. In addition, the culture has a positive influence on the interest of being a customer of Islamic banks, the stronger a person's culture, the interest in becoming a customer of Islamic banks will increase..

scholarly journals Factors Affecting The Decision Of Non Muslims To Become Customers Of Islamic Banks In Makassar

2019 ◽  
Vol 19 (2) ◽  
pp. 91
Author(s):  
Novita Rosanti
Keyword(s):  
Multiple Regression ◽  
Significant Influence ◽  
Sampling Technique ◽  
Profit Sharing ◽  
Islamic Banks ◽  
Factors Affecting ◽  
Insignificant Effect

The research objective is to analyze the factors that influence the decision of non-Muslims to become customers at Islamic Banks in Makassar. The population in this study are non-Muslims who are customers at the XYZ Syariah bank in Makassar. The sample used was 86 respondents based on the Slovin formula. The sampling technique used is accidental sampling. Analysis of the data used in this study uses multiple regression. Based on the results of the analysis it can be concluded that the location has a positive and significant effect. Services have a positive and insignificant effect. Perception has positive and insignificant effect, profit sharing has positive and significant influence and promotion has positive and insignificant effect on the decision of non-Muslims to become customers at Islamic banks in Makassar.

scholarly journals PENGARUH NON PERFORMING FINANCING DAN PERSENTASE BAGI HASIL TERHADAP PEMBIAYAAN MUSYARAKAH PADA PT BANK SYARIAH MANDIRI

2019 ◽  
Vol 1 (1) ◽  
pp. 77-88
Author(s):  
Nora Ulfa ◽  
Ismaulina Ismaulina ◽  
Fathul Liza
Keyword(s):  
Significant Influence ◽  
Statistical Tests ◽  
Research Question ◽  
Profit Sharing ◽  
Positive Influence ◽  
Statistical Test ◽  
Financial Statement ◽  
Islamic Banking ◽  
Test Results ◽  
Production Sharing

Non Performing Financing (NPF) and Percentage of Profit Sharing (PBH) indirectly influence the distribution of Musyarakah financing to Islamic banking. NPF occurs because the customer is unable to pay installments from the musyarakah financing that he has received, the inability of the customer to pay monthly installments is due to the percentage of profit sharing that is too high. The phenomenon that has been happening to PT Bank Syariah Mandiri, namely the distribution of funding did not increase significantly due to an increase in NPF. Based on these thoughts, in this study a research question was taken to find out what factors would influence the distribution of funding to PT Bank Syariah Mandiri. Based on this phenomenon, the distribution of Musyarakah Financing to PT Bank Syariah Mandiri can be seen from the percentage of revenue sharing that has increased significantly, while the NPF and Financing have an interrelated relationship. It can be seen from the Financing data from 2012 to 2014 that the increase in financing was very small due to the increasing value of the NPF. The research method used is a quantitative method in which financial statement data taken through the official website www.syariah.mandiri.co.id will be processed through SPSS data. The results of the study are: The development of NPF of Syariah Mandiri Bank during 2012-2014 has fluctuated, where the percentage of NPF sometimes goes up and sometimes goes down, the results of statistical tests show Non Performing Financing (NPF) has a positive and significant influence on the distribution of Musyarakah Financing to Bank Syariah Mandiri. Because the significance value is smaller than 0.05. This indicates an increase and decrease in the amount of Musyarakah financing disbursed is strongly influenced by the NPF. The development of Bank Syariah Mandiri's Production Sharing Percentage (PBH) during 2012-2014 sometimes increased and sometimes decreased, the statistical test results showed that the Production Sharing Percentage (PBH) had a positive influence and had a significant influence on the distribution of Musyarakah Financing to Bank Syariah Mandiri. Because the significance value is smaller than 0.05. Keyword : Non Performing Financing,  Share of Percentage, Musyarakah Financing.   Abstrak Non Performing Financing (NPF) dan Persentase Bagi Hasil (PBH) secara tidak langsung mempengaruhi distribusi pembiayaan Musyarakah ke perbankan syariah. NPF terjadi karena pelanggan tidak mampu membayar cicilan dari pembiayaan musyarakah yang telah ia terima, ketidakmampuan pelanggan untuk membayar cicilan bulanan disebabkan oleh persentase pembagian keuntungan yang terlalu tinggi. Fenomena yang telah terjadi pada PT Bank Syariah Mandiri, yaitu penyaluran dana tidak meningkat secara signifikan karena adanya peningkatan NPF. Berdasarkan pemikiran ini, dalam penelitian ini pertanyaan penelitian diambil untuk mengetahui faktor-faktor apa yang akan mempengaruhi distribusi dana ke PT Bank Syariah Mandiri. Berdasarkan fenomena ini, distribusi Pembiayaan Musyarakah ke PT Bank Syariah Mandiri dapat dilihat dari persentase bagi hasil yang meningkat secara signifikan, sedangkan NPF dan Pembiayaan memiliki hubungan yang saling terkait. Dapat dilihat dari data Pembiayaan 2012-2014 bahwa peningkatan pembiayaan sangat kecil karena meningkatnya nilai NPF. Metode penelitian yang digunakan adalah metode kuantitatif dimana data laporan keuangan yang diambil melalui situs resmi www.syariah.mandiri.co.id akan diproses melalui data SPSS. Hasil dari penelitian ini adalah: Perkembangan NPF Bank Syariah Mandiri selama 2012-2014 mengalami fluktuasi, dimana persentase NPF terkadang naik dan terkadang turun, hasil uji statistik menunjukkan Non Performing Financing (NPF) memiliki hasil positif. dan pengaruh yang signifikan terhadap distribusi Pembiayaan Musyarakah ke Bank Syariah Mandiri. Karena nilai signifikansi lebih kecil dari 0,05. Ini menunjukkan peningkatan dan penurunan jumlah pembiayaan Musyarakah yang disalurkan sangat dipengaruhi oleh NPF. Perkembangan Persentase Bagi Hasil (PBH) Bank Syariah Mandiri selama 2012-2014 terkadang meningkat dan terkadang menurun, hasil uji statistik menunjukkan bahwa Persentase Bagi Hasil (PBH) berpengaruh positif dan berpengaruh signifikan terhadap penyaluran Pembiayaan Musyarakah. ke Bank Syariah Mandiri. Karena nilai signifikansi lebih kecil dari 0,05. Kata kunci: Non Performing Financing, Persentase Bagi Hasil, Pembiayaan Musharakah.

scholarly journals Determinan of Implementation Profit Sharing Financing in Islamic Banking

2019 ◽  
Vol 4 (1) ◽  
pp. 582 ◽  
Author(s):  
Winarsih Winarsih ◽  
Winda Asokawati
Keyword(s):  
Multiple Regression ◽  
Analytical Method ◽  
Profit Sharing ◽  
Capital Adequacy ◽  
Third Party ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Return On Assets ◽  
Purposive Sampling ◽  
Capital Adequacy Ratio

One of the characteristics of Islamic banking is using the concept of profit� sharing financing. This study aims to determinan of implementation profit sharing financing, consist of Third Party Funds , Non Performing Financing, Return On Assets, Capital Adequacy Ratio� and Financing to Deposit Ratio. The population in this study are all Islamic banking which listed in Bank of Indonesia in the periode �2013 to 2016. The sample was selected using purposive sampling methodTotal samples used in this study were 11 Islamic Banks with 4-year study period, with �get sampleof 44 data.� The analytical method used in this study is multiple regression were processed using SPSS. The results of this study indicate third party funds, financing to deposit ratio� have a positive significant effect to the financing profit sharing. While non performing financing ,return on asset and capital adequacy ratio �no effect on the profit �sharing financing.

scholarly journals ANALISIS PERKEMBANGAN JUMLAH PEMBIAYAAN MUDHARABAH DAN MURABAHAH SERTA RASIO PROFITABILITAS PADA BANK SYARIAH MANDIRI CABANG MAKASSAR

2013 ◽  
Vol 9 (1) ◽  
Author(s):  
Andi Jam'an ◽  
Asriati Asriati
Keyword(s):  
Data Processing ◽  
Multiple Regression ◽  
Test Data ◽  
Significant Influence ◽  
Quantitative Data ◽  
Hypothesis Test ◽  
Significance Test ◽  
Profit Sharing ◽  
Independent Variables ◽  
Test Result

The purpose of this study is to analyze the effect of profit sharing financing and partial sale financing on profitability level -Return On Asset (ROA) - PT Bank Syariah Mandiri Makassar Branch with the purpose To examine the effect of financing the results and partial sale financing to the level of profitability -Return On Asset (ROA) - PT Bank Syariah Mandiri Makassar BranchData collection using documentation while the type of data used is quantitative data sourced from company reports. The data obtained were analyzed using multiple regression statistical analysis.Based on the results of partial significance test data processing (Test-t) obtained that the variables of profit sharing (X1) and buying and selling (X2) have a significant influence on the dependent variable (ROA). Meanwhile, based on hypothesis test result simultaneously (F test) where H0 is rejected which means that independent variables (financing of profit sharing and selling pattern) have a significant influence together to dependent variable (ROA).

scholarly journals PENGARUH RISIKO PEMBIAYAAN DAN PROPORSI PEMBIAYAAN NON INVESTASI TERHADAP PROFIT DISTRIBUTION MANAGEMENT PERBANKAN SYARIAH

2017 ◽  
Vol 3 (2) ◽  
Author(s):  
Lia Dwi Martika
Keyword(s):  
Quantitative Method ◽  
Sampling Technique ◽  
Gulf Cooperation Council ◽  
Profit Sharing ◽  
Positive Influence ◽  
Islamic Banks ◽  
Test Results ◽  
Distribution Management ◽  
Profit Distribution ◽  
Investment Financing

ABSTRACTIslamic banks should be able to maintain the confidence of depositors to keep their funds in Islamic banks. One effort to do that is through the profit distribution management as well as possible so that depositors in Islamic banks keep their money in the bank. Profit Distribution Management (PDM) is an activity performed managers to manage the distribution of profits to fulfill responsibility of profit sharing Islamic banks to their depositors. The purpose of this research to analyze the influence of Risk Financing and Non Investment Financing Proportion toward Profit Distribution Management. This research was conducted in Islamic banks exist in Indonesia, Malaysia and the countries which are Gulf Cooperation Council (GCC). The sampling technique used was purposive sampling. Analysis of the data used is descriptive quantitative method and statistical analysis used panel data multiple regression with Eviews program. The test results showed risk financing significantly positive influence the profit distribution management. The results of hypothesis testing also found that the proportion of non-investment financing no significant effect on the profit distribution management in Islamic banks in Indonesia, Malaysia and the countries which are Gulf Cooperation Council (GCC).Keywords������� :���������� Risk Financing, Non Investment Financing Proportion, Profit Distribution Management, Islamic banks in Indonesia, Malaysia and GCC.

scholarly journals FAKTOR-FAKTOR YANG MEMPENGARUHI PERTUMBUHAN DEPOSITO MUDHARABAH 1 BULAN DI BANK SYARIAH MANDIRI

Media Ekonomi ◽  
2014 ◽  
Vol 22 (2) ◽  
pp. 183
Author(s):  
Nurina Kusuma Lestari ◽  
Trikunawangsih ,
Keyword(s):  
Linear Regression ◽  
Interest Rates ◽  
Multiple Linear Regression ◽  
Profit Sharing ◽  
Positive Influence ◽  
Islamic Banks ◽  
Rate Of Profit

This Study aimed to examine the effect of interest rates, the level of profit sharing mudaraba deposits and inflation. Data taken from statistical reports at Bank Indonesia and Bank Syariah Mandiri from January 2009 to December 2013. This method used is the method of multiple linear regression. Using this method along with the underlying assumptions. The result showed that the rate of profit sharing mudaraba deposits and inflation positive influence on mudaraba deposits growth of Islamic banks, and interest rates negatively affect mudaraba deposits growth of Islamic banks.

scholarly journals Pengaruh Financing to Deposit Ratio (FDR) dan Non-Performing Financing (NPF) terhadap Bagi Hasil Deposito Mudharabah pada Bank Syariah Mandiri

2018 ◽  
Vol 8 (1) ◽  
pp. 98
Author(s):  
Achmad Agus Yasin Fadli
Keyword(s):  
Significant Influence ◽  
Linear Regression Analysis ◽  
Banking System ◽  
Multiple Linear Regression Analysis ◽  
Profit Sharing ◽  
Positive Influence ◽  
Coefficient Of Determination ◽  
Islamic Banking ◽  
Negative Effect ◽  
Banking Institutions

<em>Along with the development of sharia banking institutions in Indonesia, the more types of services provided by these Islamic banking institutions. This study focuses on internal factors, such as Financing to Deposit Ratio (FDR) and Non-Performing Financing (NPF), because of the presumption that these factors have the most significant influence on profit-sharing that exist in the Islamic banking system. This study aims to determine the effects of Financing to Deposit Ratio (FDR) and Non-Performing Financing (NPF) variables on Mudharabah Deposits of PT Bank Syariah Mandiri, both partially and simultaneously for the 2011-2017 period. The sample used in this study is PT Bank Syariah Mandiri in Indonesia by using multiple linear regression analysis which is processed using SPSS (Statistical Product Services and Solutions) software version 24. The results of this study state that FDR has a negative effect on profit sharing of Mudharabah Deposits, while NPF has a positive influence on the profit sharing of Mudharabah Deposits. These results also indicate that simultaneously the Financing to Deposit Ratio (FDR) and Non-Performing Financing (NPF) variables have a significant influence on the profit sharing of PT Bank Syariah Mandiri Mudharabah Deposits for the period 2011-2017. This is supported by the results of the coefficient of determination. The coefficient is 0.673 or 67.3% of profit sharing of the Mudharabah Deposits are influenced by the FDR and NPF variables, and the remaining 32.7% is influenced by other variables not used in this research model.</em>

scholarly journals Analysis of Customer’s Decision to Choose Sharia Banking in Surakarta

2021 ◽  
Vol 4 (1) ◽  
Author(s):  
Sudarwati Sudarwati ◽  
Burhanuddin Ahmad Yani
Keyword(s):  
Regression Analysis ◽  
Multiple Regression Analysis ◽  
Multiple Regression ◽  
Significant Influence ◽  
Random Sampling ◽  
System Security ◽  
Profit Sharing ◽  
T Test ◽  
F Test

This study aims at determining the influence of the profit-sharing system, security of funds, facilities and services toward Customer's decision to choose sharia banking in Surakarta. The research employs a method survey; it analyzes the Customer's decision to choose sharia banking. The researcher collects the data from the respondents through a questionnaire. The sample is taken by purposive random sampling. 100 customers come from 10 sharia banking in Surakarta. To test the hypothesis, the researcher uses multiple regression analysis, t-test, F test, and determinant coefficient by using SPSS. The finding of the research is that there is significant influence among variable profit-sharing system (X1), the security of funds (X2), facilities (X3), and service (X4) toward Customer's decision to choose sharia banking (Y). However, there is one significant influence. It is a profit-sharing system toward Customer's decision to choose sharia banking. The four variables; profit-sharing system, the security of funds, facilities, and services toward Customer's decision to choose sharia banking is 46.50%. At the same time, the rest is about 53.50 %, derived from another variable which is out of research.

scholarly journals Pengaruh Produk Domestik Bruto (PDB), Jumlah Bagi Hasil dan Jumlah Kantor terhadap Jumlah Deposito Muḍārabah Bank Syariah di Indonesia Periode 2011-2015

2017 ◽  
Vol 8 (2) ◽  
pp. 263
Author(s):  
Dita Meyliana ◽  
Ade Sofyan Mulazid
Keyword(s):  
Regression Analysis ◽  
Gross Domestic Product ◽  
Significant Influence ◽  
Profit Sharing ◽  
Domestic Product ◽  
Panel Regression ◽  
Islamic Banks ◽  
Microsoft Excel ◽  
Positive Direction ◽  
Quarterly Data

This study found the influence of Gross Domestic Product (GDP), the amount of profit sharing and the number of offices to the number of muḍārabah deposits of Islamic banks in Indonesia. The data used in this research is quarterly data from 2011-2015 period. The method of analysis used in this research is Data Panel Regression Analysis by using computer program Eviews version 9.0 and Microsoft Excel 2010. The results in this study indicate that partially Gross Domestic Product (GDP), the amount of profit sharing and the number of offices have a significant influence on the amount Muḍārabah deposits. This result is evidenced by a significant value of 0.0000 that is smaller than 0.05 and has a positive direction. So the greater of GDP, number of profit sharing and the number of offices, the greater number of muḍārabah deposits of Islamic banks in Indonesia.<br /><br />Penelitian ini menemukan adanya pengaruh Produk Domestik Bruto (PDB), jumlah bagi hasil dan jumlah kantor terhadap jumlah deposito muḍārabah bank syariah di Indonesia. Data yang digunakan dalam penelitian ini adalah data triwulan periode 2011-2015. Metode analisis yang digunakan dalam penelitian ini adalah Analisis Regresi Data Panel dengan menggunakan program komputer Eviews versi9.0 dan Microsoft Excel 2010. Hasil dalam penelitian ini menunjukkan bahwa secara parsial Produk Domestik Bruto (PDB), jumlah bagi hasil dan jumlah kantor memiliki pengaruh signifikan terhadap jumlah deposito muḍārabah. Hasil ini dibuktikan dengan nilai signifikan sebesar 0.0000 yaitu lebih kecil dari 0.05 dan memiliki arah positif. Sehingga semakin besar PDB, jumlah bagi hasil dan jumlah kantor, maka semakin besar pula jumlah deposito muḍārabah bank syariah di Indonesia.

scholarly journals PENGARUH TINGKAT BAGI HASIL TERHADAP PROFITABILITAS PERBANKAN SYARIAH

2019 ◽  
Vol 1 (2) ◽  
pp. 37
Author(s):  
Nadhirotun Nadliroh
Keyword(s):  
Data Analysis ◽  
Correlation Analysis ◽  
Time Series Data ◽  
Secondary Data ◽  
Profit Sharing ◽  
Positive Influence ◽  
Coefficient Of Determination ◽  
Series Data ◽  
Islamic Banks ◽  
Literature Study

This study took the title “Effect Of The Rate Of Profit Sharing On Profitability Islamic Banking” with a case study on Bank Mega Syariah. The purpose of this study was to determine the level overview of the results and profitability at Bank Mega Syariah and to determine the effect of profit sharing on profitability of Islamic banks, Bank Mega Syariah especially. The scope of quantitive data used to retrieve time series data from 2006 to 2010. All data used is taken from secondary data sourced from the Annual Report and Financial Statistics Indonesia that has been published by the Bank Mega Syariah, accompanied by an intensive literature study. Data analysis technique used is the product moment correlation analysis and the coefficient of determination. Data processing techniques using SPSS V.16 for Windows and Microsoft Excel programs. Based on data analysis has been carried out using correlation analysis and the coefficient of determination of the obtained picture of the influence the level of profit sharing on profitability Islamic banks. Influence the level of profit sharing positive influence on Islamic banks for 57,6% of the remaining 42,4% influenced by other factors outside of the study.

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