PENGARUH SIMPANAN, MODAL SENDIRI, NON PERFORMING FINANCING DAN BAGI HASIL TERHADAP PEMBIAYAAN BAGI HASIL PADA BANK UMUM SYARIAH DI INDONESIA

Rachmadita, Dhea. 2011. The Influence Of Saving, Equity, Non Performing Financing And Profit Sharing On Financing Profit Sharing Of Islamic Banking In Indonesia. Skripsi, Department Of Accounting Faculty Of Economics State University Of Jakarta. The important thing of Islamic banking is a healthy process of financing. Financing is the main indicator to measure the growth of Islamic banking. Financing is the provision of money equivalent under contracts between banks and other parties that requires the fund to restore money after a certain period with a fee or profit sharing. In determining the distribution of funds, there are some patterns which is the distribution with the principle of profit sharing (mudharabah and musyarakah). Mudharabah is an agreement whereby the owner of the fund business provide all the funds, while fund managers act as manager, and the profits divided among them according to the agreement while the financial loss is borne only by the owner of the funds. Musyarakah is an agreement for a certain business, where the each party provide the fund contribution with the agreement that the profits is divided based on the agreement while the loss on the portion of the funding requirements. There are several factor that can influence the distribution of funds/financing profit sharing to communities that were distributed by the bank, including saving, equity, NPF and profit sharing. This study examined whether the saving, capital, non performing financing (NPF) and profit sharing effect the financing profit sharing of Islamic Banks. Statistical methods in this study using multiple regression analysis and hypothesis testing using t-test and f-test. The results of this study indicate that partial, saving, NPF and profit sharing have a significant effect on the financing profit sharing. While the capital variable itself, partially has no effect on the financing profit sharing. The result of this study indicate that simultan, saving, equity, NPF and profit sharing have a significant effect on the financial profit sharing