什么决定Murabahah保证金收入?来自印度尼西亚伊斯兰商业银行的证据

A. Wahyuni, R. Mulyany, Zata Hulwani Zuhri
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引用次数: 0

摘要

本研究旨在探讨影响Murabahah边际收入的因素。具体来说,它调查了印度尼西亚中央银行利率(BI Rate),营业费用与营业收入(OEOI),不良融资(NPF)和wdiah储蓄对印度尼西亚伊斯兰商业银行Murabahah保证金收入的影响。本研究采用的方法是定量的,采用多元线性回归分析对变量进行检验。采用有目的的抽样方法,选取12家伊斯兰商业银行作为样本。通过5年60个数据观测,发现所有自变量同时影响因变量。部分地,BI Rate不影响Murabahah利润率,相反,营业收入的营业费用比(OEOI),不良融资(NPF)和wdiah储蓄影响Murabahah利润率。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
What Determines Murabahah Margin Income? Evidence from Islamic Commercial Banks in Indonesia
This study aims to examine factors that influence Murabahah margin income. Spefically it investigates the effect of the Central Bank of Indonesia Rate (BI Rate), Operating Expenses to Operating Income (OEOI), Non-Performing Financing (NPF), and wadiah savings on Murabahah margin income at Islamic Commercial Banks in Indonesia. The method used in this study is quantitative by using the multiple linear regression analysis to test the variables. 12 Islamic Commercial Banks were selected as the sample using a purposive sampling method. With 60 data observations for 5 years, the findings indicate that all the independent variables simultaneously affect the dependent variable. Partially, BI Rate does not affect Murabahah margin income, while in contrast, Operating Expenses to Operating Income (OEOI), Non-Performing Financing (NPF), and wadiah savings affect the Murabahah margin income.
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