Open AccessFAKTOR-FAKTOR YANG MEMPENGARUHI PENETAPAN MARGIN MURABAHAH PEMBIAYAAN KONSUMTIF DI BANK KALTIM SYARIAH
Author(s) -
Kenda Satya
Publication year - 2014
Publication title -
journal of innovation in business and economics
Language(s) - English
Resource type - Journals
eISSN - 2581-2025
pISSN - 2580-9431
DOI - 10.22219/jibe.vol4.no2.151-170
Subject(s) - profit margin , economics , value (mathematics) , inflation (cosmology) , margin (machine learning) , inflation rate , net interest margin , profit (economics) , monetary economics , econometrics , business , interest rate , mathematics , statistics , microeconomics , finance , capital adequacy ratio , physics , machine learning , theoretical physics , computer science
This research was proposed to discover the influential factors on consumptive financing murabahah (a contract of sale of goods with the agreement on selling price and profit earned between the seller and the buyer) margin in Kaltim Sharia bank. The research instrument that had been used was the multiple linear regressions, correlation coefficient, coefficient of determination, as well as the classical assumption. Based on the analysis, the results showed that 1) Variable of Financing Deposit Ratio (X1), Return on Assets (X2), Inflation (X3) and the interest rate (X4) gave significant effect on murabahah margin Bankaltim Sharia (Y) simultaneously. The initial analysis confirmed that the first hypothesis was accepted and proven accurate because the value of probability was less than ( )FDR beta value (X1), ROA (X2), and interest rates (X4) which means that the second hypothesis was rejected due to higher inflation would extensively increase production costs and prices of goods / services. Consequently, the purchasing power will decline and subsequently murabahah financing demand would automatically decreasing as well that ultimately results in reduced margins of murabahah.