Sutrisno_193418430

PERBANKAN SYARIAH:  ANTARA IDEALISME DAN OPORTUNISME

Studi Kasus pada Perbankan Syariah di Indonesia

SUTRISNO

Program Pascasarjana Fakultas Ekonomi

Universitas Islam Indonesia – Yogyakarta

sutrisno_uii@yahoo.com

ABSTRACT

 There are two motives establishment of Islamic banks in Indonesia, first established with the aim to develop the Islamic financial institutions (idealistic group). Second, Islmaic banks founded because there is profitable business opportunities (opportunistic group). The purpose ofthis study was to examine whether there are differences in performance between the idealistic Islamic banking group with opportunistic group. Variables in this study are financing, banking risk and profitability of Islamic banking. The populationin this study were all Islamic banks in Indonesia that divided into idealist goup and opportunist group. The results showed that financing by the opportunist group dominated by financing based on profit margin concept or trade concept, while the financing portion of idealist group provides the finiancing base on profit sharing concept. In terms of risk aspect, there is a significant difference in liquidity risk (FDR) and operating risk (BOPO) between groups of idealists by opportunists, while the risk capital(CAR) and risk financing (NPF) the difference was not significant. From the aspect of profitability, there are significant differences between idealist group and opportunists group.

Keywords: idealists group, opportunists group, profit sharing, trade concpt, the banking risk

19315418430_Sutrisno (Full Text)

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Erni Susana_abstract_1532011

PELAKSANAAN DAN SISTEM BAGI HASIL PEMBIAYAAN
Al-MUDHARABAH PADA BANK SYARIAH

Erni Susana
Annisa Prasetyanti
Program D-III Keuangan dan Perbankan Universitas Merdeka Malang
Jl. Terusan Raya Dieng No.57 Malang, 65146

Telp. +62 341 568 395 Ext.544
E-mail: erni_59@yahoo.co.id

Abstract
Al-Mudharabah finance distribution was given to all economy sectors which could give profit and forbid distribution for the business which was illegal. Al-Mudharabah financing was distributed for the business of farming, trading, construction, and other service businesses. The aim of this article was to know the realization and application of Al-Mudharabah finance profit sharing system at PT. Bank Muamalat Indonesia Tbk, branch of Malang, realization of al-mudharaba financing and profit sharing system at Bank Muamalat Indonesia, branch of  Malang. The realization of al-mudharabah financing and profit sharing system at Bank Muamalat Indonesia, branch of Malang was right and suitable with financing analysis based on the principle of syariah.

Key words:  syariah financing, al-mudharabah, profit sharing system

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