Artikel Jurnal :: Kembali

Artikel Jurnal :: Kembali

Profit sharing dan moral hazard dalam penyaluran dana pihak ketiga bank umum syariah di Indonesia

Mustafa Edwin Nasution, Ranti Wiliasih ([Publisher not identified] , 2007)

 Abstrak

There are two purposes that want to be assessed in this study The _first purpose is to indicate whether the moral hazard problems are occurred in the Indonesian Sharia Bank (The moral hazard in this paper is the indirect Moral hazard which is the negligence of bank in the financing process influencing the moral hazard problems of the debtor in the other side. The second purpose is to assess whether the _financing policies in the Sharia Banking are influenced by profit sharing system, The data for assessing this paper are acquired from the monthly financial reports published by Sharia Banks such as BSM? and BMI from January 2001 to December 2004.
The research based on the Ever Correction Model in the long term shows that the increasing of allocation ratio of Murabahah to Musyarakah and Mudharabah results the increasing of non performing financing ratio. It indicates that the moral hazard problems are occurred in BML The moral hazard indication demonstrates that bank is both less careful in financing and less incentive in monitoring process. It also demonstrates the weakness of the Sharia bank's operational system in countering the debtor's moral hazard The Granger Causality Test proves that profit sharing ratio (nisbah) between bank and debtor influences return ratio, however it does not influence financing allocation). On the other hand _financing allocation ratio influences nisbah ratio, furthermore in BSM case, return ratio influences nisbah ratio. This description shows that nisbah ratio is not only an instrument for calculating revenue/return distribution but also an instrument for Sharia bank in synchronizing profit sharing level with the interest Vale in conventional bank.

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 Metadata

Jenis Koleksi : Artikel Jurnal
No. Panggil : JEPI-7-2-Jan2007-105
Entri utama-Nama orang :
Entri tambahan-Nama orang :
Subjek :
Penerbitan : [Place of publication not identified]: [Publisher not identified], 2007
Sumber Pengatalogan :
ISSN :
Majalah/Jurnal : Jurnal Ekonomi dan Pembangunan Indonesia
Volume : Vol. 7 No. 2 Januari 2007: 105-129
Tipe Konten :
Tipe Media :
Tipe Carrier :
Akses Elektronik :
Institusi Pemilik : Universitas Indonesia. Perpustakaan, Lantai 4
Lokasi :
  • Ketersediaan
  • Ulasan
  • Sampul
No. Panggil No. Barkod Ketersediaan
JEPI-7-2-Jan2007-105 03-20-880125622 TERSEDIA
Ulasan:
Tidak ada ulasan pada koleksi ini: 20306020
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