Pengaruh Pembiayaan Murabahah terhadap Laba Bersih pada Bank Muamalat Indonesia Periode 2015 – 2019
Bibliographic record
Abstract
Abstract: The net profit at Bank Muamalat Indonesia experienced a drastic reduction level seen from the financial report data for the 3rd quarter of 2019 which reached 93%, compared to the 3rd quarter of 2018. This study aims to analyze the effect of murabahah financing on Bank Muamalat Indonesia's net profit for the period 2015 to 2019. The research method used is quantitative methods. The type of data is in the form of secondary data generated from quarterly financial reports from 2015 to 2019. The application used is SPSS by means of the simple linear regression analysis method, and the variables used are murabahah financing as the independent variable (X) and net income as the dependent variable. (Y). The results of this study indicate that the significance value of murabahah financing is 0.074> 0.05. So it can be concluded that there is no significant effect between murabahah financing on net income at Bank Muamalat Indonesia for the period 2015 - 2019. With that, H₀ is accepted and Hₐ is rejected. The assumptions obtained are that there are obstacles and irregularities in the refund of murabahah financing. These constraints can be seen from the data on non-performing finance (NPF) reports in the 4th quarter of 2019 which resulted in a gross NPF value of 5.22% and a net NPF value of 4.30%. The factors that affect this problematic financing are due to errors in carrying out the company's business strategy, where Bank Muamalat is too focused on corporate financing. Meanwhile, the majority of Indonesia's population is Muslim and many people run retail businesses, so the financing should be more inclined towards the retail business. Keywords: financing, net profit. Abstrak: Laba bersih pada Bank Muamalat Indonesia mengalami tingkat penurunan yang drastis dilihat dari data laporan keuangan triwulan 3 tahun 2019 yaitu mencapai 93%, dibandingkan dengan triwulan 3 tahun 2018. Penelitian ini bertujuan untuk menganalisis pengaruh pembiayaan murabahah terhadap laba bersih Bank Muamalat Indonesia periode 2015 hingga 2019. Metode penelitian yang digunakan yaitu metode kuantitatif. Adapun jenis datanya berupa data sekunder yang dihasilkan dari laporan keuangan triwulan pada tahun 2015 hingga 2019. Aplikasi yang digunakan yaitu SPSS dengan cara metode analisis regresi linear sederhana, dan variabel yang digunakan yaitu pembiayaan murabahah sebagai variabel independen (X) dan laba bersih sebagai variabel dependen (Y). Hasil penelitian ini menunjukkan bahwa nilai signifikansi pembiayaan murabahah diperoleh sebesar 0,074 > 0,05. Maka dapat disimpulkan bahwa tidak terdapat pengaruh yang signifikan antara pembiayaan murabahah terhadap laba bersih pada Bank Muamalat Indonesia periode 2015 - 2019. Dengan itu, H₀ diterima dan Hₐ ditolak. Asumsi yang diperoleh yaitu terjadi kendala dan penyimpangan dalam pengembalian dana pembiayaan murabahah . Kendala tersebut dapat dilihat dari data laporan pembiayaan bermasalah atau non performing finance (NPF) pada triwulan 4 tahun 2019 menghasilkan nilai NPF kotor sebesar 5,22% dan nilai NPF bersih sebesar 4,30%. Adapun faktor yang mempengaruhi pembiayaan bermasalah tersebut yaitu karena kesalahan dalam menjalankan strategi bisnis perusahaan, dimana Bank Muamalat terlalu fokus kepada pembiayaan korporasi. Sedangkan negara Indonesia mayoritas berpenduduk Muslim dan banyak masyarakat yang menjalankan bisnis ritel maka seharusnya pembiayaannya lebih mencondong ke bisnis ritel. Kata Kunci : murabahah , laba bersih.
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How this classification was reachedexpand
Full frame distilled prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. Learned from the 10,348 direct Codex labels and 10,348 direct Gemma labels. Candidate is the union of thresholded teacher heads; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels or direct frontier model labels.
Codex and Gemma teacher scores by category
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.001 | 0.000 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.001 | 0.000 |
| Bibliometrics | 0.000 | 0.001 |
| Science and technology studies | 0.001 | 0.001 |
| Scholarly communication | 0.000 | 0.001 |
| Open science | 0.002 | 0.000 |
| Research integrity | 0.000 | 0.001 |
| Insufficient payload (model declined to judge) | 0.003 | 0.003 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; both teacher heads agree on what is shown here.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".