PENGARUH KOMPONEN HARGA PEMBIAYAAN (COST OF LOANABLE FUND, OVERHEAD COST DAN RISK FACTOR) TERHADAP PRICING PEMBIAYAAN BERBASIS BAGI HASIL DI INDUSTRI PERBANKAN SYARIAH

Frinda Fraktika Devi, Noven Suprayogi

= http://dx.doi.org/10.20473/vol5iss20181pp62-77
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Abstract


       his research aims to understand which components from three research variables are cost of loanable fund, overhead cost, and risk factor significantly effected towards financing pricing based on profit sharing in Sharia Banking Industry. This research used two financing aqds are mudharaba and musharaka. The research method was a quantitative method. Statistics tools used Multiple Linear Regression. Samples were used Sharia General Banking and Sharia Unit within Sharia Banking Statistic Reports published by Indonesian Central Bank and Financial Service Authority 2011-2015. The result is three-shaped-price
component created financing price neither simultaneously nor partially mudharaba and musharaka. Partial results are cost of loanable fund, overhead cost and risk factor effected significantly towards mudharaba profit sharing rates, and cost of variable significantly to musharaka profit sharing rates.


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