Djunaedyy, Achmad (2007) FAKTOR-FAKTOR YANG BERPENGARUH TERHADAP KEPUTUSAN PEMBIAYAAN MUDHARABAH (Studi Kasus Pada Bank BNI Syariah). S2 thesis, Universitas Mercu Buana Jakarta-Menteng.
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Abstract
Rendahnya pembiayaan bagi hasil jelas bukanlah kondisi ideal yang diinginkan Perbankan Syariah. Oleh karena itu harus terus dipersiapkan sistem maupun infrastruktur dengan mencari solusi yang tepat untuk meningkatkan pembiayaan bagi hasil khususnya mudharabah, karena perkembangan pesat perbankan syariah yang sedang berlangsung perlu diarahkan agar tidak terlanjur berkembang ke arah yang tidak diinginkan. Penelitian ini bertujuan untuk mengidentifikasi faktor-faktor yang berpengaruh terhadap keputusan pembiayaan Mudharabah pada Bank BNI Syariah dan untuk mengetahui seberapa besar faktor-faktor tersebut berpengaruh terhadap keputusan pembiayaan Mudharabah. Hipotesa dalam penelitian ini Ada 7 variabel dependen yang diteliti yaitu Legalitas, Manajemen, Pemasaran, Teknik Produksi, Keuangan, Jaminan dan Resiko yang diduga berpengaruh terhadap keputusan pembiayan mudharabah. Untuk menguji hipotesa digunakan analisa determinan dan uji F test pada tingkat signifikan < 0,05. Hasil penelitian menunjukkan angka signifikan untuk variabel (X1) Legalitas 0,005; (X2) Manajemen 0,026; (X3) Pemasaran 0,009; (X4) Teknik Produksi 0,004; Keuangan 0,017; (X6) Jaminan 0,022; dan terakhir (X7) Risiko 0,031. Artinya seluruh variabel bebas mampu membedakan atau mendiskriminan variabel terikatnya yaitu (Y) Keputusan Pembiayaan Mudharabah Disetujui atau Tidak Disetujui (45,29%) Penulis memberikan saran bersama Bank Syariah lain melakukan proses sosialisasi dan edukasi terhadap Pembiayaan Mudharabah yang merupakan ciri khas dari perbankan syariah; yang diharapkan akan memperbesar porsi pembiayaan mudharabah dibandingkan dengan pembiayaan murabahah yang mendominasi pertepel pembiayan perbankan syariah. Selanjutnya penulis menyarankan kepada peneliti selanjutnya tidak hanya melihat dari variabel teknis, selanjutnya lebih menekankan pada variabel non teknis seperti variabel kemampuan banker dalam menyalurkan pembiayaan yang meliputi performance, ketrampilan dan pengalaman kerja. Serta juga meneliti kebijakan dari Bank Indonesia sebagai regulator Perbankan di Indonesia yang berkaitan dengan pembiayaan mudharabah. The low profit sharing financing is definitely not the ideal condition that is desired by Islamic banks. Therefore improvement on the infrastructure and system to find accurate solution to increase profit sharing financing, especially mudharabah financing is very crucial so that the rapid development of Islamic banks could be routed to the right direction. This research aims for identification on the factors that were influencing the decision to have Mudharabah financing at Bank BNI Syariah and to determine how significant the factors were to the decision making on choosing Mudharabah financing. The hypothesis of this research consisted of 7 (seven) independent variables Legal, Management, Marketing, Production Technique, Finance, Collateral and Risk being examined to have significant impact on decision to have Mudharabah financing. Determinant and F test at significant level of < 0,05 analyses were used to test the hypothesis. The analyses showed a significant level for Legal variable (x1) at 0,005; Management variable (x2) at 0,026; Marketing variable (x3) at 0,009; Production Technique variable (x4) at 0,004; Finance variable (x5) at 0,017; Collateral variable (x6) at 0,022; and lastly Risk variable (x7) at 0,031. Those resulted on a conclusion that all independent variables were able to discriminate the dependent variables which was (y) Mudharabah Financing Being Approved or Disapproved (45,29%) Based on the result of this research, the researcher suggested that all together with other Sharia Banks, Bank BNI Syariah should conduct socialization and education process on Mudharabah Financing which is uniquely identified as Islamic banks product; with the expectation that those processes would enlarge the portion of mudharabah financing compare to murabahah financing which currently dominate Islamic banks financing portfolio. To add to that suggestion, the researcher also recommended to the next researchers who interested in this topic to not only examine the technical variables, but also put emphasize on non-technical variable such as the ability of bankers on marketing the product including performance, skill and experience; and last but not least is to put into account Bank Indonesia (BI) policies and regulations given that BI is the regulator of Indonesia banking system.
| Item Type: | Thesis (S2) |
|---|---|
| Call Number CD: | CDT-551-07-091 |
| NIM/NIDN Creators: | 5510411-120 |
| Uncontrolled Keywords: | mku, manajemen keuangan |
| Subjects: | 600 Technology/Teknologi > 650 Management, Public Relations, Business and Auxiliary Service/Manajemen, Hubungan Masyarakat, Bisnis dan Ilmu yang Berkaitan > 658 General Management/Manajemen Umum |
| Divisions: | Pascasarjana > Magister Manajemen |
| Depositing User: | MYTHA ALVIANA SARI |
| Date Deposited: | 04 Jun 2022 04:12 |
| Last Modified: | 20 Jul 2022 07:37 |
| URI: | http://repository.mercubuana.ac.id/id/eprint/62600 |
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