Effect of Total Income, Financing, Savings and Return Ratio on Profit Sharing of Customers Using Mudarabah Scheme

EasyChair Preprint 3720

Abstract

The study aimed to investigate the effect of total income, financing, total savings using mudarabah schemes and the ratio on the profit sharing to the customers of KJKS/ BMT from 2005 to 2014, simultaneously as well as partially. The research was conducted KJKS/ BMT in Jabodetabek area using secondary data in 2016.. The research used purposive sampling method while two hypotheses were investigated using data analysis of multiple regression method. The eight independent variables were numerical variables which are time series. The data were then processed using computer statistical software SPSS version 16.0. Based on the analysis results, it was found that there is no multicollinearity among the variables. Based on the results of the classic assumption test, the classical assumption with ordinary least square (OLS) method can be met, so that the result of the analysis can be used to analyze the factors affecting the profit sharing. The value of determination coefficient (R²) shows 0.694 and F value is 14722 which indicates significant at level of 1%. It means that joint variables of income, saving, channeling and ratio have significant influence on profit sharing of BMT. Based on t-test, the coefficient value of the income variable is 0.778, which means that if the income increases by 1%, the value of profit sharing will increase by 0.778%. Meanwhile, the coefficient value of the income variable is 1.101, which indicates that if income increases by 1%, the value of profit sharing will increase by 1.101%. It can be seen that the BMT credit channeling has no significant effect on profit sharing. Neither does the BMT ratio have an effect on BMT revenue share.

Keyphrases: Mudarabah, credit channeling, profit sharing, ratio, saving

@booklet{EasyChair:3720,
  author    = {M.A.S Sridjoko Darodjatun and Zaenudin Harun and Bono Prambudi},
  title     = {Effect of Total Income, Financing, Savings and Return Ratio on Profit Sharing of Customers Using Mudarabah Scheme},
  howpublished = {EasyChair Preprint 3720},
  year      = {EasyChair, 2020}}