The Effect of Profit Sharing Financing and Receivables towards Total Assets in Islamic Banking: Case Study in BNI Syariah
DOI:
https://doi.org/10.33736/uraf.3101.2021Abstract
The objective of my research is to observe at the relationship between receivables, profit-sharing financing to total assets at BNI Syariah Bank from 2016-2020. Total assets in BNI Syariah frequently endure fluctuations in total assets each year, whether receivables and profit-sharing financing have a significant effect on variable Y (total assets). The method that researchers run is a quantitative method using the help of SPPS software, while the variables that influence are the dependent variable receivables and profit-sharing financing. The funding channelled by BNI Syariah is essentially the same as other Islamic banks in Indonesia. Because it still uses an agreement that has long practised in the Islamic banking system, such as the Murabaha contract for the provision of receivables, Mudharabah and Musyarakah contracts for profit sharing between customers and banks. The relationship between Receivables and Revenue Sharing Financing has a positive correlation between variables. This research can also provide some connection between Murabahah and Musharaka which are one of the main product sources of BNI Syariah bank. The originality of the research that the researcher makes is his own, it is not copied and that the researcher's research idea is new and can add new knowledge.
References
Arviyan, R. a. (2010). Islamic Banking : Sebuah Teori, Konsep dan Aplikasi. Jakarta: Bumi Aksara.
Banoon, M. (2007). Prediksi Pertumbuhan Perbanakn Syariah di Indonesia Tahun 2008. Surabaya: Universitas Kristen Petra.
Chapra, M. U. (1985). Towards a Just Monetary System. Leicester: The Islamic Foundation.
Fandy, T. (2002). Strategi Pemasaran. Yogyakarta: Service Quality Statifaction Yogyakarta.
Gani, T. (2020, October 19). The future of banking is not for banks. Retrieved July 2, 2020, from The future of banking is not for banks: https://www.thejakartapost.com/academia/2020/10/19/the-future-of-banking-is-not-for-banks.html
Gaspersz, V. (2002). Manajemen Kualitas Dalam Industri Jasa : Strategi Untuk Memenangkan Persaingan Global . Jakarta: PT. Gramedia Pustaka Utama.
Gemala, D. (2006). Aspek-Aspek Hukum Dalam Perbankan dan Perasuransian Syariah di Indonesia. Jakarta: Kencana.
Indonesia, B. (1983, Oktober 12). Sejarah Bank Indonesia : Perbankan. Retrieved September 2, 2020, from Sejarah Bank Indonesia : Perbankan: www.bi.go.id
Karim, A. A. (Bank Islam Analisis Fiqh dan Keuangan). 2007. Jakarta: Grafindo Persada.
Kasmir. (2005). Pemasaran Bank. Jakarta: Kencana.
Kholis, N. (2007). Kajian Terhadap Kepatuhan Syariah dalam Pembiayaan Murabahah pada BMT di Yogyakarta. Jurnal Fenomena, 23-33.
Kotler, P. (1997). Manajemen Pemasaran : Analisa, Perencanaa, Implementasi dan Pengendalian. Surakarta: Pabelan.
Kotler, P. (2002). Manajemen Pemasaran. Yogyakarta: Andi.
Kotler, P. (2002). Manajemen Pemasaran. Jakarta: Indeks Gramedia.
Kusmiyati, A. N. (2007). Risiko Akad dalam Pembiayaan Murabahah pada BMT di Yogyakarta. Jurnal Ekonomi Islam, 1-10.
https://doi.org/10.20885/lariba.vol1.iss1.art3
Lebrin, A. (2005). Kepuasan Pelanggan : Pengukuran dan Penganalisaan Dengan SPSS. Jakarta: PT. Gramedia Pustaka Utama.
Lita, R. P. (2009). Pengaruh Kepercayaan dan Komitmen Pelanggan Terhadap Loyaliyas Pelanggan. Journal Universitas Andalas, 3-14.
Merfin, L. L. (2007). Perbankan Syariah, Prinsip Praktek dan Prospek. -, 4-16.
Nofinawati. (2015). PERKEMBANGAN PERBANKAN SYARIAH DI INDONESIA. JURIS Volume 14, Nomor 2, 168-183.
https://doi.org/10.31958/juris.v14i2.305
Owen, A. Q. (2001). Developing Instrument to Measure Customer Service Quality 9SQ) in Islamic Banking International. Journal of Islamic Financial Services, 34-45.
Riyadi, S. A. (2014). Pengaruh Pembiayaan Bagi Hasil, Pembiayaan Jual Beli, FDR, dan NPF terhadap Profitabilitas Bank Umum Syariah di Indonesia. Accounting Analysis Journal, 466-474.
Sari, G. N. (2013). Faktor-Faktor yang Mempengaruhi Penyaluran Kredit Bank Umum di Indonesia. Jurnal EMBA, 931-941.
Siamat, D. (2004). Manajemen Lembaga Keuangan. Jakarta: Fakultas Universitas Indonesia.
Sugiyono. (2008). Metode Penelitian Kuantitatif Kualitatif dan R&D. Bandung: CV Alfabeta.
Syaichu, W. (2012). Analisis Pengaruh Suku Bunga,Inflasi, CAR, BOPO, NPF, Terhadap Profitabilitas Bank Syariah. Skripsi, 56-59.
Syariah, B. (2019, 10 23). Simulasi Pembiayaan. Retrieved July 1, 2020, from Simulasi Pembiayaan: https://www.bnisyariah.co.id/personal/simulasi/pembiayaan
Wicaksana. (2011). Pengaruh Pembiayaan Mudharabah, Musyarakah dan Murabahah Terhadap Profitabilitas Bank Umum Syariah di Indonesia. Skripsi Universitas Negeri Malang, 70-74.
Downloads
Published
How to Cite
Issue
Section
License
Copyright Transfer Statement for Journal
1) In signing this statement, the author(s) grant UNIMAS Publisher an exclusive license to publish their original research papers. The author(s) also grant UNIMAS Publisher permission to reproduce, recreate, translate, extract or summarize, and to distribute and display in any forms, formats, and media. The author(s) can reuse their papers in their future printed work without first requiring permission from UNIMAS Publisher, provided that the author(s) acknowledge and reference publication in the Journal.
2) For open access articles, the author(s) agree that their articles published under UNIMAS Publisher are distributed under the terms of the CC-BY-NC-SA (Creative Commons Attribution-Non Commercial-Share Alike 4.0 International License) which permits unrestricted use, distribution, and reproduction in any medium, for non-commercial purposes, provided the original work of the author(s) is properly cited.
3) For subscription articles, the author(s) agree that UNIMAS Publisher holds copyright, or an exclusive license to publish. Readers or users may view, download, print, and copy the content, for academic purposes, subject to the following conditions of use: (a) any reuse of materials is subject to permission from UNIMAS Publisher; (b) archived materials may only be used for academic research; (c) archived materials may not be used for commercial purposes, which include but not limited to monetary compensation by means of sale, resale, license, transfer of copyright, loan, etc.; and (d) archived materials may not be re-published in any part, either in print or online.
4) The author(s) is/are responsible to ensure his or her or their submitted work is original and does not infringe any existing copyright, trademark, patent, statutory right, or propriety right of others. Corresponding author(s) has (have) obtained permission from all co-authors prior to submission to the journal. Upon submission of the manuscript, the author(s) agree that no similar work has been or will be submitted or published elsewhere in any language. If submitted manuscript includes materials from others, the authors have obtained the permission from the copyright owners.
5) In signing this statement, the author(s) declare(s) that the researches in which they have conducted are in compliance with the current laws of the respective country and UNIMAS Journal Publication Ethics Policy. Any experimentation or research involving human or the use of animal samples must obtain approval from Human or Animal Ethics Committee in their respective institutions. The author(s) agree and understand that UNIMAS Publisher is not responsible for any compensational claims or failure caused by the author(s) in fulfilling the above-mentioned requirements. The author(s) must accept the responsibility for releasing their materials upon request by Chief Editor or UNIMAS Publisher.
6) The author(s) should have participated sufficiently in the work and ensured the appropriateness of the content of the article. The author(s) should also agree that he or she has no commercial attachments (e.g. patent or license arrangement, equity interest, consultancies, etc.) that might pose any conflict of interest with the submitted manuscript. The author(s) also agree to make any relevant materials and data available upon request by the editor or UNIMAS Publisher.