UI - Tesis (Open) :: Kembali

UI - Tesis (Open) :: Kembali

Analisis Faktor-faktor Yang Mempengaruhi Pembiayaan Bagi Hasil : Studi Kasus Pada PT Bank Pembiayaan Rakyat Syariah A = Analysis of factors affecting the profit sharing financing : Case study on the Islamic Rural Bank financing/IRBF A

Mulyanto; A. Hanief Saha Ghafur, examiner; Rifki Ismal, supervisor; Hardius Usman, examiner ([Publisher not identified] , 2011)
 Abstrak
[ABSTRAK
Pandangan masyarakat pada umumnya memahami bahwa perbankan syariah
adalah bank yang beroperasi berdasarkan prinsip bagi hasil (profit-loss sharing). Selain
itu, masyarakat juga memperoleh informasi pertumbuhan jumlah dan aset perbankan
syariah yang terus tumbuh dengan pesat setiap tahun. Daya kritis masyarakat terus
tumbuh, sebagai wujud kecintaan terhadap praktek perbankan syariah yang sesuai dengan
nilai dan prinsip-prinsip Islam. Namun demikian, sampai dengan saat ini portofolio
pembiayaan bank syariah masih didominasi oleh pembiayaan Murabahah yang berbasis
margin (non bagi hasil). Sementara, pembiayaan bagi hasil yang lebih berkeadilan justru
relatif rendah. Dominasi pembiayaan Murabahah, kurang sesuai dengan spirit berbagi
hasil dan berbagi kerugian antara bank syariah dengan pengusaha nasabah pembiayaan.
Masalah rendahnya pembiayaan bagi hasil dengan akad Mudharabah dan
Musyarakah dimaksud, terjadi baik pada Bank Umum Syariah dan Unit Usaha Syariah
maupun Bank Pembiayaan Rakyat Syariah (BPRS). Kondisi dominasi pembiayaan
Murabahah, juga terjadi pada BPRS A, namun dengan porsi pembiayaan bagi hasil yang
relatif lebih tinggi dibandingkan industri BPRS. Pembiayaan Murabahah, seyogyanya
hanya sementara, selanjutnya bank syariah menuju ke pembiayaan berbasis bagi hasil
yang merupakan model pembiayaan ideal bagi bank syariah. Sehubungan dengan hal
tersebut, sangat penting dilakukan penelitian, studi kasus, pada BPRS A guna
memperoleh jawaban atas masalah dimaksud. Studi kasus menyimpulkan bahwa faktorfaktor
internal; (i) realisasi rate bagi hasil, (ii) rencana pembiayaan Mudharabah dan
Musyarakah, (iii) realisasi rate (margin) Murabahah, (iv) modal, dan (v) dana pihak
ketiga (DPK), signifikan mempengaruhi pembiayaan bagi hasil. Selain itu, porsi deposito
Mudharabah terhadap DPK, juga merupakan faktor penting yang mempengaruhi struktur
portofolio pembiayaan BPRS A tersebut.
Tesis ini menyimpulkan bahwa pembiayaan bagi hasil yang ideal bagi BPRS
adalah Musyarakah karena mitigasi risiko dapat dilakukan lebih baik dengan imbal hasil
yang kompetiitif dibandingkan Mudharabah. Untuk meningkatkan pembiayaan bagi hasil
BPRS, disarankan BPRS memperbaiki komitmen peningkatan pembiayaan bagi hasil
melalui rencana bisnis tahunan.

ABSTRACT
The general impression of public on Islamic banks usually connotes with banks
operated with the principles of profit and loss sharing. Public also receive information on
the fast growing of the number and amount of total assets of Islamic banking every year.
The critical society keeps inflating showing their love to the Islamic banks which comply
with the values and principles of Islam. However, until recently the portfolio financing of
Islamic banking is still dominated by Murabahah financing which is based on margin
(non profit and loss sharing). This domination is not suitable with the spirit of risk
sharing between Islamic banks and entrepreneurs.
The problem of lower Mudarabah and Musharakah financing occurs in both
Islamic commercial banks and Islamic rural banks (IRB). Particularly, the dominance of
Murabahah financing is found in IRB A -the study case of the thesis-, but with higher
portion of investment based financing than the IRB industry. Ideally the Murabahah
financing should be temporarily, as Islamic banks have to concentrate on the investment
based financing as the ideal Islamic financing contract.
With regard to that problem, it is extremely important to conduct a case study on
IRB A to clarify the real condition and propose constructive solution. Finally, the study
case reveals that certain internal factors namely: (i) the realization of profit rate sharing,
(ii) financing planning of both Mudarabah and Musharakah, (iii) the realization of rate of
Murabahah financing, (iv) capital and, (v) third party deposits, significantly explain the
total amount of investment based (Mudarabah and Musharakah) financing. In addition,
the portion of Mudarabah deposits to total deposits is also a critical factor determining
the structure of financing portfolio of IRB A.
At the end, the thesis proposes that the ideal financing in IRB is Musharakah
financing because it is found better than Mudarabah financing in terms of risk mitigation
and competitive return. Furthermore, in order to increase the portion of investment based
financing, IRB should improve the commitment to increase the investment based
financing in their annual business plan., The general impression of public on Islamic banks usually connotes with banks
operated with the principles of profit and loss sharing. Public also receive information on
the fast growing of the number and amount of total assets of Islamic banking every year.
The critical society keeps inflating showing their love to the Islamic banks which comply
with the values and principles of Islam. However, until recently the portfolio financing of
Islamic banking is still dominated by Murabahah financing which is based on margin
(non profit and loss sharing). This domination is not suitable with the spirit of risk
sharing between Islamic banks and entrepreneurs.
The problem of lower Mudarabah and Musharakah financing occurs in both
Islamic commercial banks and Islamic rural banks (IRB). Particularly, the dominance of
Murabahah financing is found in IRB A -the study case of the thesis-, but with higher
portion of investment based financing than the IRB industry. Ideally the Murabahah
financing should be temporarily, as Islamic banks have to concentrate on the investment
based financing as the ideal Islamic financing contract.
With regard to that problem, it is extremely important to conduct a case study on
IRB A to clarify the real condition and propose constructive solution. Finally, the study
case reveals that certain internal factors namely: (i) the realization of profit rate sharing,
(ii) financing planning of both Mudarabah and Musharakah, (iii) the realization of rate of
Murabahah financing, (iv) capital and, (v) third party deposits, significantly explain the
total amount of investment based (Mudarabah and Musharakah) financing. In addition,
the portion of Mudarabah deposits to total deposits is also a critical factor determining
the structure of financing portfolio of IRB A.
At the end, the thesis proposes that the ideal financing in IRB is Musharakah
financing because it is found better than Mudarabah financing in terms of risk mitigation
and competitive return. Furthermore, in order to increase the portion of investment based
financing, IRB should improve the commitment to increase the investment based
financing in their annual business plan.]
 File Digital: 1
 Metadata
No. Panggil : T29661
Nama orang :
Nama orang tambahan :
Nama badan tambahan :
Subjek :
Penerbitan : [Place of publication not identified]: [Publisher not identified], 2011
Program Studi :
Sumber Pengatalogan : LibUI ind rda
Tipe Konten : text
Tipe Media : unmediated ; computer
Tipe Carrier : volume ; online resource
Deskripsi Fisik : xvi, 110 pages : illustration ; 28 cm + appendix
Catatan Bibliografi : pages 107-110
Lembaga Pemilik : Universitas Indonesia
Lokasi : Perpustakaan UI, Lantai 3
  • Ketersediaan
  • Ulasan
  • Sampul
No. Panggil No. Barkod Ketersediaan
T29661 15-18-050337179 TERSEDIA
Ulasan:
Tidak ada ulasan pada koleksi ini: 20292098