| dc.contributor |
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| dc.contributor |
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| dc.creator |
Nissa As-Syafa, Hafsah Qudwatun |
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| dc.creator |
Malik, Zaini Abdul |
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| dc.creator |
Nurdin, Nurdin |
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| dc.date |
2016-02-06 |
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| dc.identifier |
http://karyailmiah.unisba.ac.id/index.php/hukum_ekonomi_syariah/article/view/2344 |
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| dc.description |
The determination of murabaha margin in Islamic banks’ financing still refers to the Indirect Competitors Market Rate (ICMR). It is the interest rate of conventional banks that the implementation is based on Islamic law with the prohibition of using a system of interest (usury). The high margins are set by Islamic banks in anticipation of the rise in market interest rates or inflation, and then the margin murabaha will be greater than the interest rate of a conventional bank. In general, Islamic banks are also using market interest rates as a benchmark. How determination of margin like this is a step astray and can damage the reputation of Islamic banks. Based on the background of the problem, and then propose the problem into the following questions: What level of Indirect Competitors Market Rate (ICMR)? How murabaha margin in PT Bank BRI Syariah? In addition, how is the effect of Indirect Competitors Market Rate (ICMR) in determining the level of margin murabaha of PT Bank BRI Syariah. The research method is descriptive; the research outlined the existing conditions and provided an analysis of the phenomenon. Engineering studies using quantitative data analysis techniques. This quantitative data is used to measure the effect of Indirect Competitors Market Rare (ICMR) in determining the level of margin murabaha. This study aims to determine the effect of Indirect Competitors Market Rate (ICMR) in setting the Tertiary margin murabaha. This research was conducted at PT Bank BRI Syariah central Jakarta 2012-2014. The results of this study that the Indirect Competitors Market (ICMR) have significant influence in determining the level of margin murabaha PT. BRI Syariah Bank headquarters in Jakarta with the R-square of 72% and the remaining 28% is another factor. Partially Indirect Competitors Market Rate (ICMR) have significant influence 0,000 or below 0.05. |
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| dc.description |
Penentuan margin murabahah di bank syariah dalam suatu pembiayaan masih merujuk pada Indirect Competitors Market Rate (ICMR) yaitu tingkat suku bunga rata-rata bank konvensional yang pelaksanaannya berdasarkan hukum Islam dengan adanya larangan menggunakan sistem bunga (riba). Tingginya margin yang ditetapkan oleh bank syariah untuk mengantisipasi naiknya suku bunga di pasar atau inflasi, maka margin murabahah akan lebih besar dibandingkan dengan tingkat suku bunga bank konvensional. Pada umumnya, bank syariah juga menggunakan tingkat suku bunga pasar sebagai benchmark. Cara penetapan margin seperti ini merupakan langkah sesat dan dapat merusak reputasi bank syariah. Berdasarkan latar belakang masalah tersebut, maka peneliti merumuskan masalah ke dalam pertanyaan sebagai berikut: Bagaimana tingkat Indirect Competitors Market Rate (ICMR)? Bagaimana margin murabahah di PT. Bank BRISyariah? Dan bagaimana pengaruh Indirect Competitors Market Rate (ICMR) dalam menetapkan tingkat margin murabahah di PT. Bank BRISyariah Metode penelitian yang digunakan adalah deskriptif, yaitu penelitian yang menguraikan kondisi yang ada dan memberikan analisis terhadap fenomena tersebut. Tehnik penelitian menggunakan tehnik analisa data kuantitatif. Data kuantitatif ini digunakan untuk mengukur pengaruh Indirect Competitors Market Rare (ICMR) dalam penetapan tingkat margin murabahah. Penelitian ini bertujuan untuk mengetahui pengaruh Indirect Competitors Market Rate (ICMR) dalam penetapan tingakat margin murabahah. Penelitian ini dilakukan pada PT. Bank BRISyariah pusat Jakarta periode 2012-2014. Hasil penelitian ini bahwa Indirect Competitors Market (ICMR) berpengaruh signifikan dalam penetapan tingkat margin murabahah di PT. Bank BRISyariah kantor pusat Jakarta dengan R square sebesar 72% dan sisanya 28% merupakan faktor lain. Secara parsial Indirect Competitors Market Rate (ICMR) berpengaruh signifikan sebesar 0,000 atau dibawah 0,05. |
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| dc.format |
application/pdf |
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| dc.language |
ind |
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| dc.publisher |
Prosiding Hukum Ekonomi Syariah |
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| dc.publisher |
Prosiding Keuangan & Perbankan Syariah |
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| dc.relation |
http://karyailmiah.unisba.ac.id/index.php/hukum_ekonomi_syariah/article/view/2344/pdf |
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| dc.source |
Prosiding Hukum Ekonomi Syariah; Vol 2, No 1, Prosiding Hukum Ekonomi Syariah (Februari, 2016); 83-88 |
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| dc.source |
Prosiding Keuangan & Perbankan Syariah; Vol 2, No 1, Prosiding Hukum Ekonomi Syariah (Februari, 2016); 83-88 |
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| dc.source |
2460-2159 |
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| dc.subject |
Proceedings of the Financial Institutions and Syariah Banking |
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| dc.subject |
ICMR, margin, murabahah |
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| dc.subject |
Keuangan & Perbankan Syariah |
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| dc.subject |
ICMR; Margin; Murabahah |
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| dc.title |
The influence of Indirect Competitors Market Rate (ICMR) in the Determination of Margin Level of Murabaha in PT Bank BRI Syariah |
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| dc.title |
Pengaruh Indirect Competitors Market Rate (ICMR) dalam Penetapan Tingkat Margin Murabahah di PT. Bank Bri Syariah |
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| dc.type |
info:eu-repo/semantics/article |
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| dc.type |
info:eu-repo/semantics/publishedVersion |
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| dc.type |
Peer-reviewed Article |
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| dc.type |
Quantitative |
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| dc.type |
Kuantitatif |
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