Analisis Pengaruh Aset Bank Syariah dan Prinsip Bagi Hasil Terhadap Pembiayaan oleh Bank – Bank Umum Syariah di Sumatera Utara
Irsyad Lubis, SE, M.Soc, Sc, Ph.D
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The Banking system in Indonesia divided in two kind of systems, which are conventional banking and syariah banking. Banking of conventional apply the rate principle in its operation, while for the syariah banking apply sharing holder principle. For generally, sharing holder principle in syariah banking can be done in four especial convenants, those are Musyarakah, Mudharabah, Muzaraah and Musaqah. The syariah bank's asset that is exist in this North Sumatera pursuant to existing data which obtained from Indonesia Central Bank's monthly report shows the monthly increasing, while atmonthly percentage of sharing holder tend to be constant. Pursuant to the study/analyse of two variables those are syariah public bank asset and sharing holder principle to defrayal of syariah public banks in North Sumatera, hence there are some important things to be concluded as follows: The total coefficient variable of asset at syariah public bank in North Sumatera (X1) is 0,782, it means that the increasing of total percentage of asset is to Rp 1000, hence will cause the increasing of defrayal is 0,782 billion Rupiah, with assumption of ceteris paribus. Coefficient variable percentage of sharing holder at syariah public bank in North Sumatera (X2) is - 28351,2, it means that the increasing of percentage of sharing holder at syariah public banks in North Sumatera is Rp 1000 hence will cause the increasing of defrayal at syariah public banks in North Sumatera is - 28351,2 billion Rupiah with assumption of ceteris paribus.
- SP - Economic Development