Perbedaan Rata-rata Jumlah Pembiayaan, Kualitas Pembiayaan dan Pendapatan Margin Murabahah Bank Syariah Sebelum dan Sesudah Perubahan BI Rate

Abstract

BI rate is a monetary policy which targeting to inflation in the end. The impact of monetary policy are vast and the impact of the change of BI rate is very large and wide, especially for the banking sector. The possibility of Islamic Banking affected by this change of BI rate was also there although it may be very small and indirect. This research aimed to analyze the differences in the average of the financing, murabahah margin and NPF ratio caused by changes of BI rate by Bank Indonesia as the Central Bank while the Islamic Bank Financing does not use the system of interest. Beside that, this research also analyze the impact of this changes to the Islamic Bank. This research took the form of cross section data of Islamic Bank\u27s financial statements in the first quarter of 2013 as the period before the change of BI rate and the first quarter of 2014 as the period after the change of BI rate. The variables used were total financing, the ratio of the NPF as a ratio which described quality of Sharia Bank\u27s financing and murabahah revenue margins. Techniques of data collection is through documentation and interviews as a support of the research\u27s hypothesis. Source of data obtained from published financial statements of Islamic Bank on Bank Indonesia\u27s official website. The data were analyzed using paired samples t test. Based on the results, it revealed that there are differences in average of total murabahah revenue margin and total financing that Sharia Bank gave before and after the change of BI rate. While there is no difference in the average of NPF ratio before and after the change of BI rate. Keywords: BI rate, Financing, NPF, Financing Margin, Islamic Bank.