PENGARUH DANA PIHAK KETIGA DAN PEMBIAYAAN BERMASALAH TERHADAP PEMBIAYAAN PERBANKAN SYARIAH DENGAN MARGIN MURABAHAH SEBAGAI PEMEDIASI

ZAHRAFAYA, MAISYA (2019) PENGARUH DANA PIHAK KETIGA DAN PEMBIAYAAN BERMASALAH TERHADAP PEMBIAYAAN PERBANKAN SYARIAH DENGAN MARGIN MURABAHAH SEBAGAI PEMEDIASI. S1 thesis, Fakultas Ekonomi.

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Abstract

MAISYA ZAHRAFAYA. The Effect of Third Party Funds and Non Performing Financing toward Total Financing of Sharia Bank With Margin Murabahah as an Intervening. Faculty of Economics. Universitas Negeri Jakarta, 2019. Financing is one of the main tasks of Sharia banking. Third party funds (TPF) and non-performing financing (NPF) are the performance indicators of the channeled financing. Murabahah margin is also considered important considering transactions with murabahah contracts dominate in all sharia banking in the past five years. This study aims to determine the direct and indirect effects between DPK, NPF, murabahah margins, and financing. Through a purposive sampling technique, 12 banking samples was selected. The bank selected have been in the form of sharia commercial banks during the 2014- 2018. The total observations in that period are 59 data. The data in this study were processed with a regression analysis and path analysis using SPSS 25. Based on the results and conclusions from the study, DPK and NPF have direct and indirect effect through murabahah margins on financing of sharia bank. Third Party Funds effect the financing through murabahah margins because Islamic banks must consider the amount of Third Party Fund deposits in setting murabahah margins in protecting the nominal profit target that has been set to maximize the distribution of financing conducted. While NPF affects financing through murabahah margins because the existence of NPF makes Islamic banks lose the opportunity to increase murabahah margins which will affect the amount of financing to be distributed by sharia banks Kata Kunci: Third Party Funds, Non Performing Financing, Murabahah Margins, Financing of Sharia Bank

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