Open AccessMasalah Keagenan dalam Kontrak Bagi Hasil Perbankan Syariah di Indonesia
Author(s) -
Kery Utami,
Budi Purwanto,
Tubagus Nur Ahmad Maulana
Publication year - 2019
Publication title -
jurnal manajemen dan organisasi
Language(s) - English
Resource type - Journals
eISSN - 2527-8991
pISSN - 2088-9372
DOI - 10.29244/jmo.v9i3.28225
Subject(s) - sharia , moral hazard , business , debtor , financial system , finance , accounting , actuarial science , islam , economics , creditor , debt , theology , incentive , philosophy , microeconomics
The Principle of profit-sharing operation in Sharia bank is often utilized for financing. However, in its practice, the distribution of Sharia Bank funds be done at the equivalent cost. This might occur due to the agency predicament in which Sharia Commercial Bank become a liaison between the depositor and the debtor who bring money. By conducting panel analysis of regression data at 11 sharia commercial banks in Indonesia during period 2012.Q1-2016.Q4, it was found that financial problems happen chiefly because of adverse Sharia Banks and moral hazard which intentionally increase financing.