ASTUTI, RATNA DWI (2013) INDIKASI MORAL HAZARD DALAM PEMBIAYAAN MUDHARABAH DAN MURABAHAH PADA PERBANKAN SYARIAH DI INDONESIA. Undergraduate thesis, Fakultas Ekonomi UNISSULA.
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Abstract
ABSTRACT This study aims to analyze the presence or absence of indications Moral Hazard In Mudaraba and Murabaha Financing In Islamic Banking in Indonesia. To measure indicative of moral hazard is to use variable NPF. If the NPV is high, then there is an indication of moral hazard, but if the value of the NPF is low, then it does not happen indication of moral hazard on Islamic banking. The population in this research is syariah banking in Indonesia in the period from 2007 to 2012. The sampling method using purposive sampling technique. With the criteria that Islamic banks are already enrolled in Islamic Banks. Islamic banks to publish quarterly financial statements during the period 2007-2012. Islamic Bank has a complete data based on the variables studied. The data taken is data that produces a positive return value. So the number of samples that pass several measures are defined and used is 3 Islamic banks namely BMI, BMSI, and BSM. The analytical tool used in this study is multiple linear regression and using SPSS software. The independent variable of the study is the growth of GDP, compared Mudharabah Ratios Return Return Total Financing (RR), and the ratio of Murabahah receivables compared Allocation Return Total Financing (RF). The results showed that the GDP (X1), has a negative and effect shows that Islamic banks in terms of macroeconomic not happen indication of moral hazard. RR (X2) has a positive and significant effect of the NPF. Positive influence means that Islamic banks indication of moral hazard occurs on mudharabah financing. Whereas in RF (X3) had positive but not significant to the NPF. No significant it means that the variable has no effect on the RF NPF. So the RF variable not enough evidence to present indications of the presence or absence of moral hazard on Islamic banking. In general it can be concluded that Islamic banking in Indonesia tend to choose products murabahah a smaller risk than financing. In murabahah financing risk of moral hazard is lower than financing. Bank more focus on murabahah financing so as to better carry out maintenance of the debtor in murabahah. Keywords: Indications of Moral Hazard, Gross Domestic Product, return Mudharabah, Murabahah return, Non Performing Financing.
| Item Type: | Thesis (Undergraduate) |
|---|---|
| Subjects: | H Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management |
| Divisions: | Fakultas Ekonomi Fakultas Ekonomi > Manajemen |
| Depositing User: | Users 725 not found. |
| Date Deposited: | 07 Apr 2016 04:17 |
| Last Modified: | 07 Apr 2016 04:17 |
| URI: | http://repository.unissula.ac.id/id/eprint/4088 |
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