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Contact Name
Haqiqi Rafsanjani
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Program Studi Perbankan Syariah Fakultas Agama Islam Universitas Muhammadiyah Surabaya Jl. Sutorejo No. 59, Surabaya – Jawa Timur – Indonesia. Telp (031) 381-1966 Email: jurnalmasharifal-syariah@um-surabaya.ac.id, Website: www.um-surabaya.ac.id
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Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah
ISSN : 25276344     EISSN : 25805800     DOI : http://dx.doi.org/10.30651/jms.v6i3.7248
Core Subject : Economy, Social,
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah (e-ISSN: 2580-5800; p-ISSN: 2527-6344) is a journal that is managed by the Islamic Banking Study Program, Muhammadiyah University of Surabaya and in collaboration with professional organizations, namely Ikatan Ahli Ekonomi Islam. This journal is published three times a year (April, August and December). This journal focuses on the publication of research results and scientific articles on islamic banking, islamic finance, islamic microfinance institutions, non-bank financial institutions, islamic capital market, islamic economic and other themes related to Islamic finance.
Articles 21 Documents
Search results for , issue "Vol 7, No 3 (2022)" : 21 Documents clear
Model Panel Data dalam Mengukur Determinasi Faktor-Faktor yang Berpengaruh terhadap Pembiayaan Murabahah pada Pebankan Syariah di Indonesia Yudhistira Ardana; Dudi Septiadi; Wulandari Wulandari
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 3 (2022)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (356.98 KB) | DOI: 10.30651/jms.v7i3.12516

Abstract

Murabaha financing disbursed by Islamic banks is influenced by two factors, namely internal and external factors of the bank. The internal condition of Islamic banking can be seen through the bank's financial statements which are described in financial performance ratios. Meanwhile, to see external factors, macroeconomic variables are used. This study aims to analyze the factors that influence the murabahah financing of Islamic banks using panel data. The variables used in this study are CAR (X1), FDR (X2), Inflation (X3), and SBIS (X4) as independent variables. Murabaha financing (Y) as the dependent variable. The estimation of panel data in this study uses the best model, namely random-effect. All variables used in this study have an effect or influence of 97.16% and the remaining 2.84% is influenced by other factors outside the model. In this study, partially the CAR variable has a significant negative effect, the SBIS variable has a significant positive effect, while the FDR and inflation variables have a significant negative effect on murabahah financing of Islamic banks in Indonesia.

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