1) The document analyzes the influence of murabaha financing on the net profit of Baitul Maal Wat Tamwil (BMT) Mitra Cimahi, an Islamic financial institution.
2) It finds a strong positive correlation between murabaha financing and net profit, with murabaha financing contributing 59.4% to net profit.
3) It concludes that improving the quality of murabaha financing could further optimize BMT Mitra Cimahi's net profits, and exploring other financing products could help increase overall profits.
Evaluation Ratio Profit Sharing Islamic Banking & Conventional Interest Income Bank Customers in Jember Facing Yhe Era Of The Asean Economic Community 2015
summer internship report on central bank of India.tamanna rathore
This document summarizes a study on retail banking practices of central banks in India. It includes:
- An overview of the company profile and history of Central Bank of India.
- Research objectives including examining opportunities and challenges for banks becoming financial supermarkets and studying retail marketing strategies.
- The scope of the study, research methodology used, and types of data collected which included primary data from surveys and secondary data from sources like journals.
- Key findings from data analysis including factors influencing customer satisfaction related to retail products, channels and services across different bank sectors.
This document discusses the roles and responsibilities of the Ministry of Finance in Malaysia. It is responsible for formulating fiscal and monetary policies, accounting standards, monitoring other government bodies' finances, and ensuring prudent financial management. It oversees all banking operations in the country through requirements such as monthly reporting. The banking system is ranked highly in Asia but commercial banks still have issues providing support to small businesses due to perceptions of high risk. Non-governmental organizations believe addressing these issues is key to ensuring successful microfinancing.
ICSA Civil Services (Prelims) GS Indian Economics Exam 2012: Lecture 8 by Pro...Dr. Subir Maitra
Monetary policy refers to actions taken by central banks to affect monetary conditions and financial variables to promote economic goals. It uses tools like open market operations, reserve requirements, and interest rates to influence the money supply and cost of credit. During recessions, monetary policy aims to stimulate demand by increasing money supply and lowering rates. During inflation, it aims to reduce spending by tightening money supply or raising rates. The objectives are economic stability, price stability, and growth.
This document provides a summary of key banking concepts and terms. It begins by outlining the primary functions of banks, including accepting deposits through savings accounts, fixed deposits, current accounts, and recurring deposits. It also discusses granting loans and advances through cash credits, bank overdrafts, and discounting bills. The document then lists some secondary functions of banks like funds transfer, cheque collection, and locker facilities. It provides an overview of the Reserve Bank of India and its roles and responsibilities. It concludes by defining several important financial terms used in banking like APR, ABS, EPS, RTGS, NEFT, CAR, NPA, and others.
This document is a project report on credit management and non-performing assets (NPAs) of Rajkot District Co-operative Bank Ltd. (RDC Bank). It discusses the history and background of RDC Bank, which was established in 1959. It then covers various aspects of credit management at RDC Bank, including credit policies, appraisal, monitoring, NPAs, and recovery processes. The report aims to analyze credit management practices and suggest improvements to reduce NPAs.
The document discusses the role and functions of central banking. It begins by defining a central bank and explaining how they evolved from privately owned banks to taking on public functions. It then contrasts central banks with commercial banks and outlines the key functions of central banks, including bank of issue, bank and agent to the state, lender of last resort, and controller of credit. The document also examines various credit control methods used by central banks like bank rate, open market operations, and selective controls. It notes the challenges of central banking in underdeveloped economies.
Evaluation Ratio Profit Sharing Islamic Banking & Conventional Interest Income Bank Customers in Jember Facing Yhe Era Of The Asean Economic Community 2015
summer internship report on central bank of India.tamanna rathore
This document summarizes a study on retail banking practices of central banks in India. It includes:
- An overview of the company profile and history of Central Bank of India.
- Research objectives including examining opportunities and challenges for banks becoming financial supermarkets and studying retail marketing strategies.
- The scope of the study, research methodology used, and types of data collected which included primary data from surveys and secondary data from sources like journals.
- Key findings from data analysis including factors influencing customer satisfaction related to retail products, channels and services across different bank sectors.
This document discusses the roles and responsibilities of the Ministry of Finance in Malaysia. It is responsible for formulating fiscal and monetary policies, accounting standards, monitoring other government bodies' finances, and ensuring prudent financial management. It oversees all banking operations in the country through requirements such as monthly reporting. The banking system is ranked highly in Asia but commercial banks still have issues providing support to small businesses due to perceptions of high risk. Non-governmental organizations believe addressing these issues is key to ensuring successful microfinancing.
ICSA Civil Services (Prelims) GS Indian Economics Exam 2012: Lecture 8 by Pro...Dr. Subir Maitra
Monetary policy refers to actions taken by central banks to affect monetary conditions and financial variables to promote economic goals. It uses tools like open market operations, reserve requirements, and interest rates to influence the money supply and cost of credit. During recessions, monetary policy aims to stimulate demand by increasing money supply and lowering rates. During inflation, it aims to reduce spending by tightening money supply or raising rates. The objectives are economic stability, price stability, and growth.
This document provides a summary of key banking concepts and terms. It begins by outlining the primary functions of banks, including accepting deposits through savings accounts, fixed deposits, current accounts, and recurring deposits. It also discusses granting loans and advances through cash credits, bank overdrafts, and discounting bills. The document then lists some secondary functions of banks like funds transfer, cheque collection, and locker facilities. It provides an overview of the Reserve Bank of India and its roles and responsibilities. It concludes by defining several important financial terms used in banking like APR, ABS, EPS, RTGS, NEFT, CAR, NPA, and others.
This document is a project report on credit management and non-performing assets (NPAs) of Rajkot District Co-operative Bank Ltd. (RDC Bank). It discusses the history and background of RDC Bank, which was established in 1959. It then covers various aspects of credit management at RDC Bank, including credit policies, appraisal, monitoring, NPAs, and recovery processes. The report aims to analyze credit management practices and suggest improvements to reduce NPAs.
The document discusses the role and functions of central banking. It begins by defining a central bank and explaining how they evolved from privately owned banks to taking on public functions. It then contrasts central banks with commercial banks and outlines the key functions of central banks, including bank of issue, bank and agent to the state, lender of last resort, and controller of credit. The document also examines various credit control methods used by central banks like bank rate, open market operations, and selective controls. It notes the challenges of central banking in underdeveloped economies.
This research re euml xamine of what has been done by other researcher with the object of research on what is different aimed at peaceful and steady to analyze the good vibes this partial as well as simultaneous the amount of its credits micro small and medium enterprises (SMES) and prepare the funds to a third party against operating profit in public credit bank Cirebon district.
The results of the testing of hypotheses first discovered that variable credit small and medium enterprises 0.5456 or by 54,56 % show is influence against operating profit. The results of the testing of hypotheses to two variable third party funds of savings of 0.52134 or by 52,13 % show is influence against operating profit. The results of the testing of hypotheses to three variable third party funds in deposits of 0.5612 or by 56,12 % show is influence against operating profit.
All of the results of the analysis showed in constant of 0.5905 or 59.05%. This credit public bank Cirebon district contribute to the development and growth the small and medium enterprises (SMES) that is in Cirebon district and the rest is the other factors that to affect in out of what researchers do.
Quality Improvement of BMT by Performance, Efficiency, Good Corporate Governa...Mega Widayanti
Baitul Maal Wat Tamwil (BMT) is an Islamic microfinance institution which aims to collect and distribute funds from the surplus to the deficit unit. As a non-bank financial institution, BMT has been established as many as 200.808 units in 2015. The implementation of Islamic principles with the concept of ta'awun somehow becomes the main attraction of BMT, which in fact, gains the highest number of the service used among other microfinance institutions with approximately 18% percent of the total microfinance institution clients (2013). Meanwhile, BMT’s performance of development assets reached IDR 4.7 trillion with the total funds of IDR 3.6 trillion in 2015. This indicates that BMT has grown rapidly over the years. Despite the significant growth, BMT has also encountered a great deal of problems during the process. Some problems that might occur include the inadequate regulations of credit (credit fund is only distributed to some sectors of mudharib group), the inefficiency of Human Resource (HR) or executives and staff (parts of finance official which exceed the limits when giving loans) and the inadequacy of the detection of non-performing loans possibilities, which includes the growth of cash flow of the mudharib. This paper applied qualitative descriptive method to analyze the problem from various journals related to the issues of BMT. The authors employed categorical analysis to define the MEGA (Performance, efficiency, good corporate governance and value added measurements) whereas strategic measurement was used to measure the financial and management performance, efficiency, quality of governance and value-added achieved in order to improve the quality of BMT.
Keywords: Baitul Maal Wattamwil, Measurement, Efficiency, Good Corporate Governance, and Value Added
The Basel Committee on Banking Supervision introduced stricter Basel III regulations after the 2008 financial crisis to strengthen banks' capital requirements and promote a more resilient banking sector. The key changes included higher minimum capital requirements, a capital conservation buffer, a countercyclical capital buffer, strengthened capital treatment for trading book exposures and securitizations, more stringent counterparty credit risk rules, and the introduction of a non-risk-based leverage ratio. The regulations aimed to reduce systemic risk, improve risk management practices, and promote a safer banking system overall.
“Perception of Fairness in Banking Services Comparison Between Pvt and Govt B...Ranjeet Kushwah
This document is a research report submitted for a master's degree that examines customer perceptions of fairness in banking services between public and private banks in India. It includes an introduction outlining the topic and need for the study, as well as sections on acknowledging contributions and declaring that the work is original. The introduction provides background on the banking industry in India and defines key terms. It notes that customer perceptions of fairness impact satisfaction and that this report will examine dimensions of fairness.
This document is an internship report submitted by Sabiha Akter to analyze the credit risk management of Shimanto Bank Ltd. It contains 5 chapters that discuss the introduction, company overview, conceptual framework, analysis, and findings. The report aims to evaluate Shimanto Bank's credit risk management performance using various ratios and trend analysis related to credit risk. It provides an overview of the bank's vision, mission, products, and credit risk grading system. The analysis chapter contains calculations of financial leverage, capital adequacy ratio, classified loans, and other metrics to assess the bank's credit risk management. Overall, the report analyzes Shimanto Bank's credit risk management policies and practices.
Policy Paper on Promoting Own Account Enterprises (OAEs) - Foundation for MSM...TheBambooLink
We are delighted that this unique Award Programme for “Responsible Indian BMOs” has now successfully entered its fifth year. This year is special, as with the support of the Office of Development Commissioner, Ministry of MSME, we have taken the Award Programme to a new height by organizing “Cluster Conclave and 5th BMO Award: Innovate to Lead”.
Policy Paper on Promoting Own Account Enterprises (OAEs) : Foundation for MSM...TheBambooLink
Micro, Small and Medium Enterprise (MSME) sector is a key player in generating employment and contributing to the India’s GDP and industrial output. There are 6.34 Crore enterprises in various industries, employing close to 11.1 Crore people.1 In all, the MSME sector accounts for 29 percent of India’s GDP and 40 percent of exports.
Corporate finanace prsesntation surabhi guptaShalini W
This document discusses how companies substitute trade credit for bank credit during financial crises. It explains that trade credit and bank loans are important sources of working capital for Indian companies. While these usually account for about 35% of company assets, during restrictive monetary periods companies rely more on trade credit. The document then explores theories for why trade credit exists, such as it providing financing advantages over banks for assessing creditworthiness and monitoring repayment. Overall, the study suggests Indian companies substitute significant amounts of trade credit for bank loans when monetary policy restrictions reduce bank lending.
The document provides an overview of credit risk management operations at Mutual Trust Bank Limited. It discusses the bank's history and background. It then outlines the key activities involved in credit risk management, including credit analysis, credit disbursement, credit monitoring, and credit recovery. Credit analysis involves assessing borrower creditworthiness. Credit disbursement occurs after completing documentation requirements. Credit monitoring helps identify deteriorating loans. And credit recovery directly manages problem accounts.
Webinar on bank initiatives towards msme sectorResurgent India
MSME has historically played a pivotal role in building our economy. This crisis has not spared anyone and MSMEs have been crushed under its weight. Drying cash flows, labor migration are some of the many problems that they are facing as we speak.
Compensation Management Practices and Policies Assignment / ReportFakrul Hassan
The document is an assignment report submitted to Dr. Farahana Ferdousi on the compensation management practices and policies of Mutual Trust Bank. It begins with an introduction providing background and objectives of the study. It then discusses the methodology used to collect both primary and secondary data. The report provides an overview of Mutual Trust Bank, including its history, mission, vision and organizational hierarchy. It examines the bank's compensation practices in detail, such as salary, bonuses, provident fund, annual increments and other benefits. Finally, it outlines Mutual Trust Bank's compensation management policies, including death benefits, employee loans and welfare funds.
Customers orientation and service quality of commercial banks the empirical e...iaemedu
This document summarizes a research paper on examining customer orientation and service quality of State Bank of India in Garo Hills, Meghalaya, India. The paper reviews previous studies on customer satisfaction and service quality in banking. It discusses the changing competitive landscape in banking that requires a focus on customer needs. The study aims to empirically examine SBI's customer services and determine customer satisfaction levels through surveys and factor analysis. The preliminary findings show that SBI's service quality is lacking and many new services have remained underutilized due to inherent problems. The full paper presents additional details on the research methodology and statistical analysis.
Customers orientation and service quality of commercial banksSantosh Kumar
This document discusses a study examining customer orientation and service quality at State Bank of India branches in Garo Hills, Meghalaya, India. The study found that customer satisfaction with bank services was quite low and quality standards were not being met. A survey of 100 customers used factor analysis to measure satisfaction across 25 variables. A separate survey of 50 customers also found that many new innovative banking services were underutilized due to inherent problems. The introduction discusses the increasingly competitive banking environment and need for customer-centric strategies to retain customers.
The document discusses the various sources of income for commercial banks in India. It states that banks earn interest income from loans and advances as well as investments. Their non-interest income comes from fees, trading profits, foreign exchange operations, and other miscellaneous sources. Recently, banks have seen slower growth in income due to lower interest rates. Their income is also increasingly coming from investments in government securities rather than loans, though this strategy could undermine their core lending functions over the long run. The document advocates for banks to focus on boosting their fee-based non-interest income through better customer service and new fee-based product offerings.
Working structure of hindu c0 operative bankAnoop Khardk
The document discusses The Co-Operative bank. It notes that a co-operative bank belongs to its members, who are both owners and customers. It aims to encourage thrift and mutual help for small means individuals like farmers and artisans. Co-operative banks are governed by the Co-operative Societies Act of 1904 while commercial banks are regulated by the Banking Regulation Act and Reserve Bank of India. The structure of co-operative banking consists of agricultural and non-agricultural segments that provide short, medium, and long-term credit. Co-operative banks play an important role in providing credit to agriculture and other sectors.
Study the impact of Digitization and Automation Stratagem of SBIPriyankaRawat103
This document summarizes a research paper on the impact of digitization and automation at the State Bank of India from 2009 to 2019. The paper discusses the key digital payment products and services introduced by SBI over this period, including YONO, mobile banking, UPI, and debit/credit cards. It analyzes key business drivers like customer service, employee satisfaction, and security. The paper also examines the role of the banking ombudsman in resolving customer complaints and how complaint volumes at SBI have increased in recent years. The conclusion is that SBI has advanced technologically with products like YONO but still needs to reduce customer grievances.
The document provides an overview of the telecom industry in Bangladesh and Grameenphone Ltd.'s position within it. It discusses how the mobile penetration rate has grown rapidly in Bangladesh, transforming the economy. It then outlines Grameenphone as the leading mobile operator in Bangladesh with over 56 million subscribers. The rest of the document appears to provide details about Grameenphone's financial services like MobiCash, bill payment and ticketing services. It will analyze these services and identify any gaps to improve customer satisfaction.
The document discusses the future of microfinance in India. It notes that microfinance has expanded rapidly in recent years, with membership in associations growing and loan amounts outstanding increasing significantly from 2001-2004 and 2001-2005 for various microfinance programs and institutions. It also discusses the growing partnership models between banks and MFIs, and innovations in how banks provide funding to MFIs. Going forward, it emphasizes the need for greater financial literacy, product differentiation, and ensuring client empowerment through education on loan terms and conditions.
This document provides an overview of financing for small and medium enterprises (SMEs) in India. It discusses the importance of SMEs to the Indian economy and some of the challenges faced by SMEs in obtaining adequate financing. It highlights the role of the Small Industrial Development Bank of India (SIDBI) in successfully providing various forms of financing to SMEs over time. Overall, the document argues that while SIDBI has achieved good results in SME financing, both private and public sector banks need innovative models to further expand financing to the important SME sector of the Indian economy.
Commercial banks accept deposits and provide loans to earn a profit from the interest rate spread. They create credit in the economy through the process of lending out deposits while maintaining required reserve ratios. The Reserve Bank of India uses various monetary policy tools like repo rates, cash reserve ratios, and statutory liquidity ratios to regulate money supply and credit creation in order to achieve economic objectives. It has established a monetary policy committee to decide interest rates, replacing the previous system of the RBI governor making decisions with input from the monetary policy department.
This research re euml xamine of what has been done by other researcher with the object of research on what is different aimed at peaceful and steady to analyze the good vibes this partial as well as simultaneous the amount of its credits micro small and medium enterprises (SMES) and prepare the funds to a third party against operating profit in public credit bank Cirebon district.
The results of the testing of hypotheses first discovered that variable credit small and medium enterprises 0.5456 or by 54,56 % show is influence against operating profit. The results of the testing of hypotheses to two variable third party funds of savings of 0.52134 or by 52,13 % show is influence against operating profit. The results of the testing of hypotheses to three variable third party funds in deposits of 0.5612 or by 56,12 % show is influence against operating profit.
All of the results of the analysis showed in constant of 0.5905 or 59.05%. This credit public bank Cirebon district contribute to the development and growth the small and medium enterprises (SMES) that is in Cirebon district and the rest is the other factors that to affect in out of what researchers do.
Quality Improvement of BMT by Performance, Efficiency, Good Corporate Governa...Mega Widayanti
Baitul Maal Wat Tamwil (BMT) is an Islamic microfinance institution which aims to collect and distribute funds from the surplus to the deficit unit. As a non-bank financial institution, BMT has been established as many as 200.808 units in 2015. The implementation of Islamic principles with the concept of ta'awun somehow becomes the main attraction of BMT, which in fact, gains the highest number of the service used among other microfinance institutions with approximately 18% percent of the total microfinance institution clients (2013). Meanwhile, BMT’s performance of development assets reached IDR 4.7 trillion with the total funds of IDR 3.6 trillion in 2015. This indicates that BMT has grown rapidly over the years. Despite the significant growth, BMT has also encountered a great deal of problems during the process. Some problems that might occur include the inadequate regulations of credit (credit fund is only distributed to some sectors of mudharib group), the inefficiency of Human Resource (HR) or executives and staff (parts of finance official which exceed the limits when giving loans) and the inadequacy of the detection of non-performing loans possibilities, which includes the growth of cash flow of the mudharib. This paper applied qualitative descriptive method to analyze the problem from various journals related to the issues of BMT. The authors employed categorical analysis to define the MEGA (Performance, efficiency, good corporate governance and value added measurements) whereas strategic measurement was used to measure the financial and management performance, efficiency, quality of governance and value-added achieved in order to improve the quality of BMT.
Keywords: Baitul Maal Wattamwil, Measurement, Efficiency, Good Corporate Governance, and Value Added
The Basel Committee on Banking Supervision introduced stricter Basel III regulations after the 2008 financial crisis to strengthen banks' capital requirements and promote a more resilient banking sector. The key changes included higher minimum capital requirements, a capital conservation buffer, a countercyclical capital buffer, strengthened capital treatment for trading book exposures and securitizations, more stringent counterparty credit risk rules, and the introduction of a non-risk-based leverage ratio. The regulations aimed to reduce systemic risk, improve risk management practices, and promote a safer banking system overall.
“Perception of Fairness in Banking Services Comparison Between Pvt and Govt B...Ranjeet Kushwah
This document is a research report submitted for a master's degree that examines customer perceptions of fairness in banking services between public and private banks in India. It includes an introduction outlining the topic and need for the study, as well as sections on acknowledging contributions and declaring that the work is original. The introduction provides background on the banking industry in India and defines key terms. It notes that customer perceptions of fairness impact satisfaction and that this report will examine dimensions of fairness.
This document is an internship report submitted by Sabiha Akter to analyze the credit risk management of Shimanto Bank Ltd. It contains 5 chapters that discuss the introduction, company overview, conceptual framework, analysis, and findings. The report aims to evaluate Shimanto Bank's credit risk management performance using various ratios and trend analysis related to credit risk. It provides an overview of the bank's vision, mission, products, and credit risk grading system. The analysis chapter contains calculations of financial leverage, capital adequacy ratio, classified loans, and other metrics to assess the bank's credit risk management. Overall, the report analyzes Shimanto Bank's credit risk management policies and practices.
Policy Paper on Promoting Own Account Enterprises (OAEs) - Foundation for MSM...TheBambooLink
We are delighted that this unique Award Programme for “Responsible Indian BMOs” has now successfully entered its fifth year. This year is special, as with the support of the Office of Development Commissioner, Ministry of MSME, we have taken the Award Programme to a new height by organizing “Cluster Conclave and 5th BMO Award: Innovate to Lead”.
Policy Paper on Promoting Own Account Enterprises (OAEs) : Foundation for MSM...TheBambooLink
Micro, Small and Medium Enterprise (MSME) sector is a key player in generating employment and contributing to the India’s GDP and industrial output. There are 6.34 Crore enterprises in various industries, employing close to 11.1 Crore people.1 In all, the MSME sector accounts for 29 percent of India’s GDP and 40 percent of exports.
Corporate finanace prsesntation surabhi guptaShalini W
This document discusses how companies substitute trade credit for bank credit during financial crises. It explains that trade credit and bank loans are important sources of working capital for Indian companies. While these usually account for about 35% of company assets, during restrictive monetary periods companies rely more on trade credit. The document then explores theories for why trade credit exists, such as it providing financing advantages over banks for assessing creditworthiness and monitoring repayment. Overall, the study suggests Indian companies substitute significant amounts of trade credit for bank loans when monetary policy restrictions reduce bank lending.
The document provides an overview of credit risk management operations at Mutual Trust Bank Limited. It discusses the bank's history and background. It then outlines the key activities involved in credit risk management, including credit analysis, credit disbursement, credit monitoring, and credit recovery. Credit analysis involves assessing borrower creditworthiness. Credit disbursement occurs after completing documentation requirements. Credit monitoring helps identify deteriorating loans. And credit recovery directly manages problem accounts.
Webinar on bank initiatives towards msme sectorResurgent India
MSME has historically played a pivotal role in building our economy. This crisis has not spared anyone and MSMEs have been crushed under its weight. Drying cash flows, labor migration are some of the many problems that they are facing as we speak.
Compensation Management Practices and Policies Assignment / ReportFakrul Hassan
The document is an assignment report submitted to Dr. Farahana Ferdousi on the compensation management practices and policies of Mutual Trust Bank. It begins with an introduction providing background and objectives of the study. It then discusses the methodology used to collect both primary and secondary data. The report provides an overview of Mutual Trust Bank, including its history, mission, vision and organizational hierarchy. It examines the bank's compensation practices in detail, such as salary, bonuses, provident fund, annual increments and other benefits. Finally, it outlines Mutual Trust Bank's compensation management policies, including death benefits, employee loans and welfare funds.
Customers orientation and service quality of commercial banks the empirical e...iaemedu
This document summarizes a research paper on examining customer orientation and service quality of State Bank of India in Garo Hills, Meghalaya, India. The paper reviews previous studies on customer satisfaction and service quality in banking. It discusses the changing competitive landscape in banking that requires a focus on customer needs. The study aims to empirically examine SBI's customer services and determine customer satisfaction levels through surveys and factor analysis. The preliminary findings show that SBI's service quality is lacking and many new services have remained underutilized due to inherent problems. The full paper presents additional details on the research methodology and statistical analysis.
Customers orientation and service quality of commercial banksSantosh Kumar
This document discusses a study examining customer orientation and service quality at State Bank of India branches in Garo Hills, Meghalaya, India. The study found that customer satisfaction with bank services was quite low and quality standards were not being met. A survey of 100 customers used factor analysis to measure satisfaction across 25 variables. A separate survey of 50 customers also found that many new innovative banking services were underutilized due to inherent problems. The introduction discusses the increasingly competitive banking environment and need for customer-centric strategies to retain customers.
The document discusses the various sources of income for commercial banks in India. It states that banks earn interest income from loans and advances as well as investments. Their non-interest income comes from fees, trading profits, foreign exchange operations, and other miscellaneous sources. Recently, banks have seen slower growth in income due to lower interest rates. Their income is also increasingly coming from investments in government securities rather than loans, though this strategy could undermine their core lending functions over the long run. The document advocates for banks to focus on boosting their fee-based non-interest income through better customer service and new fee-based product offerings.
Working structure of hindu c0 operative bankAnoop Khardk
The document discusses The Co-Operative bank. It notes that a co-operative bank belongs to its members, who are both owners and customers. It aims to encourage thrift and mutual help for small means individuals like farmers and artisans. Co-operative banks are governed by the Co-operative Societies Act of 1904 while commercial banks are regulated by the Banking Regulation Act and Reserve Bank of India. The structure of co-operative banking consists of agricultural and non-agricultural segments that provide short, medium, and long-term credit. Co-operative banks play an important role in providing credit to agriculture and other sectors.
Study the impact of Digitization and Automation Stratagem of SBIPriyankaRawat103
This document summarizes a research paper on the impact of digitization and automation at the State Bank of India from 2009 to 2019. The paper discusses the key digital payment products and services introduced by SBI over this period, including YONO, mobile banking, UPI, and debit/credit cards. It analyzes key business drivers like customer service, employee satisfaction, and security. The paper also examines the role of the banking ombudsman in resolving customer complaints and how complaint volumes at SBI have increased in recent years. The conclusion is that SBI has advanced technologically with products like YONO but still needs to reduce customer grievances.
The document provides an overview of the telecom industry in Bangladesh and Grameenphone Ltd.'s position within it. It discusses how the mobile penetration rate has grown rapidly in Bangladesh, transforming the economy. It then outlines Grameenphone as the leading mobile operator in Bangladesh with over 56 million subscribers. The rest of the document appears to provide details about Grameenphone's financial services like MobiCash, bill payment and ticketing services. It will analyze these services and identify any gaps to improve customer satisfaction.
The document discusses the future of microfinance in India. It notes that microfinance has expanded rapidly in recent years, with membership in associations growing and loan amounts outstanding increasing significantly from 2001-2004 and 2001-2005 for various microfinance programs and institutions. It also discusses the growing partnership models between banks and MFIs, and innovations in how banks provide funding to MFIs. Going forward, it emphasizes the need for greater financial literacy, product differentiation, and ensuring client empowerment through education on loan terms and conditions.
This document provides an overview of financing for small and medium enterprises (SMEs) in India. It discusses the importance of SMEs to the Indian economy and some of the challenges faced by SMEs in obtaining adequate financing. It highlights the role of the Small Industrial Development Bank of India (SIDBI) in successfully providing various forms of financing to SMEs over time. Overall, the document argues that while SIDBI has achieved good results in SME financing, both private and public sector banks need innovative models to further expand financing to the important SME sector of the Indian economy.
Commercial banks accept deposits and provide loans to earn a profit from the interest rate spread. They create credit in the economy through the process of lending out deposits while maintaining required reserve ratios. The Reserve Bank of India uses various monetary policy tools like repo rates, cash reserve ratios, and statutory liquidity ratios to regulate money supply and credit creation in order to achieve economic objectives. It has established a monetary policy committee to decide interest rates, replacing the previous system of the RBI governor making decisions with input from the monetary policy department.
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
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Jurnal inggris
1. Influence on the Murabaha Financing
Net Profit
(Case Study In Baitul Maal Wat Tamwil (BMT) MitraCimahi)
by:
Umi Rahmawati (3.08.3.235)
Students - Politeknik Pos Indonesia
qmie_ciutz@yahoo.co.id
Surya Noor Ramadan, SE.
Dedy Somantri Yusuf, SE,. M.M,.
Lecturers Teachers - Politeknik Pos Indonesia
ABSTRACT
The increase in net income of a Baitul Maal wat Tamwil (BMT) one is to do the
improvement of the quality of the business is performing. Activities of the BMT one of them
is murabaha financing, where financing is financing the commodity of revenue for
BMT. Murabaha financing will affect net profit which might be fairly significant amount. To
prove it is necessary to study which aims to determine the magnitude of murabaha financing
growth, development and influence of the net profit to net income murabaha financing. The
study was conducted using quantitative analysis techniques with analytical tools; correlation,
simple regression, the coefficient of determination, and test hypotheses.
The results of analysis of financial data BMT Mitra showed that there is a strong influence
among murabaha financing of net profit.This is evidenced by the large correlation coefficient
of 0.771. Both of these variables showed a positive relationship, it is shown the linear
regression equation Y = 16,491,297.21 + 0.081 X. Through the t test of 2.964 obtained t count
T Table greater than 2.447 with significant level of funding so it can be said net profit
murabaha and significant relationship exists. Murabaha contributed 59.4% while 40.6% is a
factor - other factors affecting net profit is not disclosed in this study.
Based on the above results, it was concluded that there is a strong and significant relationship
between financing murabaha against net profit with a substantial contribution, it is advisable
to BMT Mitra Cimahi to further improve the quality of murabaha financing in order to
further optimize the acquisition of its net profits by taking into account the level of margin of
financing as well as the smoothness of the financing itself. In addition, BMT should be able
to explore the potential for other financing in order to develop the entire exercise of financing
products in an effort to increase the profits.
Umi Rahmawati | Influence on the Murabaha Financing Net Profit
2. 1.1 Background Issues
It has become common knowledge that the economic development of Islamic sharia
synonymous with economic expansion. There are many economic sectors in Indonesia which
has been running sharia, ranging from Islamic Banking, Islamic financial institutions,
mortgage sharia, sharia, and others.
One financial institution that runs in accordance with Islamic sharia is the Baitul Maal Wat
Tamwil (BMT), the equivalent of Baitul Maal Wat Tamwil he said is composed of two terms,
namely the Baitul Maal Zakat means accepting deposit funds, infaq and Sadaqah and
optimize its distribution in accordance with regulations and amanahnya, while the Baitul
Tamwil means conducting productive development efforts and investments in improving the
economic quality of micro and small entrepreneurs, especially by encouraging saving
activities and financing activities to support its economy.
Today has been spread over 3,000 BMT across the archipelago, has an asset (consolidation)
of more than Rp. 1 Trillion, the managers of more than 30,000 people, nearly half of the S-1
and women. BMT serve more than two million savers, and make loans on more than 1.5
million micro and small entrepreneurs. Proved that BMT can develop based on self-founder
of the initiators of the local community itself, with the initial capital that is not so large than
the established BPR (BPR). BMT aghnia and collect funds from their excess in local
communities and provide loan financing to micro-entrepreneurs in the village itself. BMT is
able to collect funds and provide financing to various levels of society, especially the poor,
against a backdrop of political ideology and beliefs are different.
Although BMT is not a financial institution the Bank may assume to have a good
management both in marketing management, human resources, or financial management. But
it is proper BMT also perform actions that lead to that direction. The product of BMT is not
much different from the Islamic banking, the only difference from the scale-financed, the
BMT is more focused on economic development sektror micro, small and medium
enterprises. BMT Director Bina Ihsanul Fikri, M Ridwan said in the face of competition with
banks and other financial institutions that enter into the micro sector has an advantage over
BMT. "BMT had a closeness with their members, can sit and eat together, while if the bank
Umi Rahmawati | Influence on the Murabaha Financing Net Profit
3. can not do that,"
The basic principles are the principles on product BMT deposit or deposits (Al-Wadiah), the
principle of profit sharing or profit sharing (Al-Mudharabah and Al-Musharaka) and the
principle of Al-Murabaha. In Al-Murabaha principle place of a sale and purchase of goods at
the original price with the added advantage that the value agreed by both parties. The seller in
this case must tell the price of the product that he bought and determine a level of profit in
addition. Suppose someone takes credit for car purchases. In a conventional bank person will
be charged interest and are required to pay monthly installments for a certain time. In the
banking sector, the prevailing interest rates may change. In the Islamic system of banking or
BMT, of course, such products are also available. But the shape is not a credit, but rather uses
the principle of buying and selling, which termed the Murabaha. In this case, the bank or
Islamic BMT will buy cars that customers want first, then sell it back to the client. But, since
Islamic banks or BMT bail first, so when it sells to its customers, it costs a bit more
expensive, as the form of profits for banks or Islamic BMT. Because the form of sharia bank
profits or BMT has been agreed in the future, then the customer must pay installments that
are relatively more fixed.
Net profit on a BMT can be influenced by several factors, such as how the quality of the
financing provided by a BMT is. In this case also assessed how much the management
capabilities of BMT to generate a profit. Management in improving the net profit can do
development on their products.
In one of the BMT BMT Mitras, murabaha financing is one of the products are much in
demand by customers, due to several factors, some of them are not very complicated process
and this funding is also to be excellent because it is the customers require specialized
financing to meet the needs of for a good / asset.
As presented by Adiwarman A Karim (2006:113) "Financing murabaha is buying and selling,
ie the Shariah bank acting as seller and buyer clients as a selling price of the bank is the
purchase price from the supplier plus a certain percentage of profits for banks in Shari'ah
according to agreement."
Umi Rahmawati | Influence on the Murabaha Financing Net Profit
4. Based on data obtained from the BMT Mitras that murabaha financing provided during the
first quarter of 2009 until the fourth quarter of 2010 are as follows:
Year Quarter Financing murababah
2009 I Rp 280,628,409.80
II Rp 274,626,779.80
III Rp 956,683,769.79
IV Rp 1,085,779,779.10
2010 I Rp 1,113,806,006.63
II Rp 1,139,322,590.59
III Rp 1,310,381,903.01
IV Rp 1,245,179,881.93
Based on the description above, the authors are interested to conduct research and prepare
Final Report to find out how the financing murabaha influence in increasing net income. To
the authors take the title "The effect on Net Income Murabaha Financing Baitul Maal
Wat Tamwil (BMT) Mitra Cimahi".
1.2 Limitations and Problems Identified
1.3 1.2.1 Limitations Problems
Given the breadth of aspects that may be associated with the title of the above problems,
there should be restrictions on the issue.This is so the problem under study can be focused
on the issue.The restriction of this problem are as follows:
1. Authors calculate that only a limited amount of influence on accounting information
system of financing murabaha.
2. The authors use quantitative data in the form of secondary data from quarterly financial
reports of 2009-2010 and conduct case studies in BMT Mitra located in Cimahi with the
interview method to support the writing of this report.
3. Financing Murabaha Murabaha margins as revenues will be compared with the net
profit.
Umi Rahmawati | Influence on the Murabaha Financing Net Profit
5. 1.2.2 Problem Identification
The identification of issues to be addressed in this Final Report are as follows:
1. How much financing growth and net profit murabaha BMT Mitra Cimahi in the period
first quarter 2009 to fourth quarter 2010?
2. How strong is the relationship between financing and net income murabaha BMT Mitra
Cimahi in the period first quarter 2009 to fourth quarter 2010?
3. How does murabaha financing to increase net income in the BMT Mitra Cimahi in the
period first quarter 2009 to fourth quarter 2010?
1.3 Purpose and Research Objectives
1.3.1 Usability Research
With this study, the authors hope that the results obtained can be useful, among others:
1. For Authors
To meet one of the conditions in diploma exams D3 majoring in accounting programs
Polytechnic Pos Indonesia, as well as add insight and information about finance in the
banking world.
2. For BMT
As a contribution to the thinking of the input materials to assist in the establishment of
policies in terms of providing murabaha financing to its customers as well as repair
materials in the future.
3. For the Other
Provide input for the parties who need to research more about the system of financing,
so it can be used as reference material in researching objects and themes relating to
Islamic Accounting.
1.3.2 Research Objectives
In accordance with the problems described above, the author has the following objectives:
1. To find out how much murabaha financing growth and net income in the BMT Mitra Cimahi in
the period first quarter 2009 to fourth quarter 2010.
2. To find out how strong the relationship murabaha financing and net income of BMT Mitra
Cimahi in the period first quarter 2009 to fourth quarter 2010.
3. To determine the effect of growth murabaha financing to increase net income in the BMT Mitra
Cimahi in the period first quarter 2009 to fourth quarter 2010.
Umi Rahmawati | Influence on the Murabaha Financing Net Profit
6. 1.4 Hypothesis
The hypothesis is accepted as a statement as true as it is. The hypothesis is also an estimate or
a reference are formulated and accepted for a while that could explain the observed facts or
conditions are observed, and used as a guide for subsequent research steps.
From the above understanding, it can be said that the hypothesis is a logical statement while
applying the facts and conditions observed are still weak, so the truth still needs to be
verifiable.
Through the theme of the chosen problem, the authors take the hypothesis as follows:
"Allegedly murabaha financing affect net income increased BMT Mitra Cimahi"
Statistically, to measure the effect of financing murabaha (X), against the net profit (Y)
can be seen in the table below:
Hypothesis
Ho : ρ = 0 means no influence between Murabaha financing to
increase net income BMT Mitra Cimahi
Ha : ρ ≠ 0 means no effect Murabaha financing growth to increased
net income BMT Mitra Cimahi
1.5 Types of Research
Type of research in this study include research into the precise associative associative Causal
research, ie research that describes the relationship is causal. So here are the independent
variables (variables that affect) and dependent (influenced).
Researchers in developing research efforts use a case study method. The meaning of the case
study by M. Nazir (2003:57): "the case study is research on the status of research subjects
with respect to a specific phase or typical of the whole personality." Objective case study is to
provide a detailed description of the background characteristics and the characters typical of
the case, or the status of the individual, who then from the properties typical of the above will
Umi Rahmawati | Influence on the Murabaha Financing Net Profit
7. be a matter of a general nature. In this case the authors did a case study to the institutions
concerned, namely the Baitul Maal Wat Tamwil (BMT) Mitra Cimahi.
1.6 Population and Sample
Sugiyono (2009:61) expressed his opinion about the population as follows:
"The population is composed of the generalization that the object / subject that has certain
qualities and characteristics that are applied by researchers to learn and then drawn
conclusions. Thus, the population is not just people but also objects and natural objects to
another. The population is also not just the number that existed at the object / subject being
studied, but include all the characteristics / properties owned by the subject / object ".
According Sugiyono (2009:62) "The sample is part of the number and characteristics of the
population. When a large population, then researchers may not learn all there is in the
population, for example due to limited funds, manpower and time, then researchers may use
samples drawn from that population. "
In accordance with this consideration in this study the authors took a sample of financial
statement data BMT Mitra quarter 2009 to fourth quarter of 2010.
1.7 Sources of Data
Data used in this study were divided into two types, namely:
1. Primary data
Data is obtained directly by way of direct interviews with parties related to the research
conducted. Primary data was generally in the form of qualitative data and used to prove
the hypothesis that has been presented previously. Primary data was obtained by
conducting research and questionnaires. In this case the authors did a case study directly
to the object of research, namely the Head of Finance Baitul Maal Wat Tamwil (BMT)
Mitras.
2. Secondary data
Is the data that has been further prepared and presented by both collectors or others in the
company. Among the literature, historical records, and books relating to such data and
reports or evidence that has been arranged in the data, published or unpublished.
In this study, the authors use data sources of primary data, namely in the form of an
Umi Rahmawati | Influence on the Murabaha Financing Net Profit
8. interview with an authorized executive officer or the officer in the accounting and
finance officials at the BMT Mitras.In addition, researchers using secondary data from
financial statements to support in this study. The financial statements are financial
statements used in the first quarter 2009 to fourth quarter of 2010.
1.8 Data Collection Methods
The data collection carried out by using the methods of data collection as follows:
1. Research Library (Library Research)
This literature study aims to obtain secondary data. This research is on the books,
adaptations, text book, as well as other materials related to the problem to be investigated
in order to obtain theoretical data which is useful as a basis for comparison as well as
supporters in the discussion of this Final Report.
2. Study Documentation
Data for this study was obtained from secondary sources and how the documentation is
conducting a review of documents related to research, namely the balance sheet and
income statement BMT.
3. Unstructured Interviews
That is, researchers ask directly the things and information to support research (company
documents related to the problem under study) to employees Baitul Maal Wat Tamwil
(BMT) Mitras who understand the research object, namely the head of finance.
1.9 Technical Analysis
To determine the effect of financing murabaha to net income, the data was then analyzed
by calculating the-datum datum expressed qualitatively and quantitatively to interpret the
results of the calculations and answer the problems that duteliti and draw conclusions
from the data processing
Qualitative Analysis
To determine the effect of financing murabaha to net income in this regard particularly to
the net profit, the data in the can then be analyzed by calculating the-datum datum
expressed qualitatively and quantitatively to interpret the results of the calculations and
answer the issues, and draw conclusions from the data processing.
Umi Rahmawati | Influence on the Murabaha Financing Net Profit
9. Quantitative Analysis
According to Husein Umar (2003:55), "more quantitative study based on data that can be
calculated, to produce a solid quantitative assessment. quantitative information in the
field of accounting may be used, for example, applying the use of funds from a business
activity. ".
Related to the nature of this study is to describe in descriptive and hypothesis testing, the
data have been processed are presented in the form of frequency tables and use the
analytic statistics for subsequent further analysis.
Correlation Analysis
Correlation analysis is used to determine the effect of growth on net income murabaha
financing. To test the hypothesis that this correlation arises:
"Financing murabaha will affect the increase in net income in the BMT Mitra Cimahi"
As for how to calculate the Pearson product moment correlations are as follows:
Where: r = degree of relationship
x = variable Murabaha financing (independent)
y = Variable earnings
Can also by the following formula:
=
Simple Regression Analysis
The author uses a simple regression analysis to determine the effect of growth on net
income murabaha financing. Simple linear regression based on the
functional or causal relationship ofindependent variables with one dependent
variable to determine the value of a simple regression equation was examined from both
variables, we use a simple regression formula as follows.
Umi Rahmawati | Influence on the Murabaha Financing Net Profit
10. Y a bX
( Y )( X 2 ) ( X )( XY )
a
n( X 2 ) ( X ) 2
n( XY ) ( X )( Y )
b
n( X 2 ) ( X ) 2
Y = the subject in the dependent variable predicted
a = value of Y, if X = 0 (constant prices)
b = regression coefficient
X = Subject to the independent variables that have a particular value
n = Number of pairs of data
To determine the magnitude of the influence of the variable x to variable y, then
the calculated coefficient of determination is asfollows:
Where: Kd = how much influence the variable X to variable Y
r2 = correlation coefficient
Kd = r2 x 100 %
Testing the hypothesis
T test statistic used to look at the relationship or influence between the
individual independent variables on the dependent variable.
r n 2
t
1 r2
According to the decision of the hypothesis by comparing the value t
count value t tables.
1. If the value t count> t table value, then the null hypothesis (Ho) is rejected
Umi Rahmawati | Influence on the Murabaha Financing Net Profit
11. 2. If the value of t calculated <t table value, then the null hypothesis(Ho) accepted
To make the decision whether or not the hypothesis is proven, then the price of t
count is compared with the t table, to see the price oftable t, then based on (dk) degrees
of freedom that magnitude is n-2with an error level (α) set 0.05 (5%).
1.10 Murabaha Financing Growth and Net Income Mitras BMT
Murabaha Financing Growth
Financing murabaha conducted Baitul Maal Wat Tamwil (BMT)Mitras are intended to
channel funds from a third party entrusted to the public. The practice of financing is the same
as buying and selling system in general, that the seller sells the goods to the buyerby
taking advantage of the excess value of the goods at cost price.Excess (profit margin) is expected
to Baitul Maal Wat Tamwil (BMT)Mitras must be approved in advance by the BMT as a
seller andcustomer financing as a buyer at the time of the contract. Theamount
of financing Murabaha income margins seen from the Baitul
Maal wat do Tamwil (BMT) Mitras and its growth period of the first quarter of 2009 until
the fourth quarter of 2010 are as follows:
Year Quarter Financing Murabaha Growth(%)
2009 I Rp 22,534,033.00 0.00
II Rp 45,105,903.00 50.04
III Rp 89,618,400.00 49.67
IV Rp 152,912,524.00 41.39
2010 I Rp 98,458,617.52 -55.31
II Rp 179,299,082.22 45.09
III Rp 271,023,124.71 0.34
IV Rp 337,605,012.07 0.20
Jumlah Rp 1,196,556,696.52 131.42
Rata-rata Rp 149,569,587.07 16.43
(Data source: Financial Statements BMT Mitra Cimahi,processed)
From the table above, the BMT Mitra murabaha financing of theperiod of the first quarter of
2009 - the fourth quarter of 2010showed an increase. from
almost every period murabaha financinghas increased. Although there
Umi Rahmawati | Influence on the Murabaha Financing Net Profit
12. are several periods of decline, but itonly occurs in one quarter, the first quarter of
2010, while the restcontinued to rise.
Can be concluded that the financing of murabaha performed each
period by BMT Mitras experienced growth in each period, except for
the first quarter period of 2010 and fourth quarter of
2010.Growth in murabaha financing indicates the confidence of the public to borrow funds
to BMT. An increasing number of murabahafinancing in each
period also shows that BMT Mitras have soughtto continuously improve the distribution
of funds collected by BMTfrom a third party by providing financing to customers in need of
funds and in accordance with Islamic Sharia principles.
To see more clearly the growth and decline BMT murabahafinancing Mitras for the
quarterly period in 2009-2010 (8 quarters)can be seen from the chart below:
60.00
40.00
20.00
0.00 tingkat
pembiayaan
-20.00 murabahah
-40.00
-60.00
-80.00
Net Profit Growth
Profit is the difference between revenues and all costs / expenses
incurred. Mitras In BMT, the net profit obtained from the income earned and less
the expenses and costs incurred during the operational activities take place in a period. To see
the development of Net Income to Mitras BMT can be seen from the following table:
Year Quarter Net Profit Growth (%)
2009 I Rp 15,456,607.27 0
II Rp 20,782,195.89 34.46
III Rp 27,456,512.75 32.12
IV Rp 43,423,502.91 58.15
2010 I Rp 17,353,777.05 -60.04
Umi Rahmawati | Influence on the Murabaha Financing Net Profit
13. II Rp 26,321,457.66 51.68
III Rp 30,787,632.27 16.97
IV Rp 46,736,643.03 51.80
Jumlah Rp 228,318,328.83 185.14
Rata-rata Rp 28,539,791.10 23.14
(Data source: Financial Statements BMT Mitra Cimahi,processed)
Based on the above table, can be mentioned that the total profits derived BMT Mitra, the
period of the first quarter of 2009 until the period of the fourth quarter of 2010 continued to
increase, so that until the fourth quarter of 2010 net profit reached
Rp228,318,328.83 BMT Mitras. The highest increase occurred inthe fourth quarter of
2009 period, amounting to 58.15%, while thelargest declines occurred during the first
quarter of 2010, amounting to 60.04%. The average profit BMT Mitra of the period first
quarter 2009 to fourth quarter of 2010 amounted
to Rp28,539,791.10. although total profits have continued to rise, but atthat period the
percentage of profit ensued. This indicates that in running its operations BMT Mitras are
always faced with variouschallenges primarily as a result of external factors (economic
conditions) which continues to change and not always predictable.
To see more clearly the growth and decline in net profit in BMTMitras for the
quarterly period in 2009-2010 (8 quarters) can be seen from the chart below:
80
60
40
20
0 Laba Bersih
-20
-40
-60
-80
1.11 Murabaha Financing Relationship and Effect on Net Income
Analysis of the effect on net income murabaha financing was to determine whether
the provision of financing muarabahahconducted by BMT Mitra or no effect on net
profit, here the author will use the correlation coefficient, simple regression, andcoefficient of
determination, and hypothesis testing.
The data will be presented from Financing Statements murabahaand net income
Umi Rahmawati | Influence on the Murabaha Financing Net Profit
14. by using SPSS version 17.00, therefore tostrengthen the results
of quantitative analysis, in this sectionregarding the effect on net
income murabaha financing by usingquantitative analysis. So to find
out whether BMT Mitrasmanaged efficiently and effectively in
obtaining financing murabahanet income tested against data
obtained from murabaha financingstatements with the income period of the first quarter of
2009 until the fourth quarter of 2010.
Correlation analysis
In determining the correlation value, the processing of research
datausing stastistik program SPSS (Statistical Product and
ServiceSolution) version 17.00. The correlation between the level offinancing murabaha net
profit at BMT Mitras can be seen in table4.5 below:
Model Summary
Adjusted R Std. Error of
Model R R Square Square the Estimate
1 .771a .594 .526 7.8899390E6
a. Predictors: (Constant), pembiayaan murabahah
Based on calculations SPSS 17:00 version can be seen that the correlation between
murabaha Financing (X) and net income (Y) is equal to 0.771. This figure can be seen in the
R column, with the number R of 0.771 indicates that the presence of a strong relationship
between the level of financing murabaha (X) and net income (Y). This is evidenced by the
size used to interpret the strength of the correlation, if 0.60 <r <0.799, it means that a strong
relationship.
Simple Linear Regression Analysis
The value of regression that occurs between financing murabaha (X) and net income (Y)
BMT Mitras can be seen in table regression table below:
Coefficientsa
Standardize
Unstandardized d
Coefficients Coefficients Collinearity Statistics
Model B Std. Error Beta t Sig. Tolerance VIF
Umi Rahmawati | Influence on the Murabaha Financing Net Profit
15. 1 (Constant) 1.649E7 4930415.804 3.345 .016
pembiayaan .081 .027 .771 2.964 .025 1.000 1.000
murabahah
a. Dependent Variable: laba bersih
Based on SPSS version 17 above, then the column UnstandardizedCoefficient column
B, can be seen a constant
value of16,491,297.21, the regression coefficient of 0.081 murabahafinancing rates. Regressi
on equation so as it can be seen between the change in financing murabaha (X) with net
income (Y) are asfollows:
Y = a + bX
Y:: net income
X:: Financing murabaha
a:: Constant (constant prices)
b: regression coefficient
Based on the regression equation above, it can be interpreted asfollows:
1. Constants of 16,491,297.21 can be interpreted that
althoughmurabaha financing amounted to Rp. 0, there are still otherfinancing-
financing which could affect net income.
2. Variable regression coefficient of 0.081 change in net income.Can be
interpreted if murabaha financing has increased the value ofRp1, then net
income would have increased to Rp. 0.081. The coefficient is positive it
means going positive relationship betweenmurabaha financing with net income, this
means the higher theprovision of financing murabaha the net profit earned will be higher.
Coefficient of Determination
The value of determination between murabaha financing to net income in the BMT Mitras
can be seen in the table below:
Model Summary
Umi Rahmawati | Influence on the Murabaha Financing Net Profit
16. Adjusted R Std. Error of
Model R R Square Square the Estimate
1 .771a .594 .526 7.8899390E6
a. Predictors: (Constant), pembiayaan murabahah
Based on SPSS v 17:00 calculations obtained figures on the columnR2 (R Square) of 0.594 or
equivalent to 59.4%. This shows that thepercentage contribution of the influence
of independent variables(murabaha financing) against the dependent variable (net income)
of59.4%. While the rest of 40.6% influenced by other factors not examined in this study.
Hypothesis Testing
To test the above hypothesis, in this study using the t test. This hypothesis test
equipment used to perform significance testing of correlation exists. T test used to
determine whether the independent variable (X) partially significant effect on the dependent
variable (Y).The acceptance and rejection of the hypothesis testing using the t test are:
1. Ho is rejected, Ha received: if-t table >-t count or t count> t table
2. Ho accepted, Ha rejected: if-t table <-t count or t count <t table
In testing the value of t, the processing of research
data using SPSSstastistik program (Statistical Product and
Service Solution) version17.00. Testing the value of t between murabaha financing to net
income in the BMT Mitras can be seen in table 4.8 below:
Coefficientsa
Standardiz
ed
Unstandardized Coefficien Collinearity
Coefficients ts Statistics
Toleranc
Model B Std. Error Beta t Sig. e VIF
1 (Constant) 1.649E 4930415.8 3.345 .016
7 04
pembiayaan .081 .027 .771 2.964 .025 1.000 1.000
murabahah
Umi Rahmawati | Influence on the Murabaha Financing Net Profit
17. Coefficientsa
Standardiz
ed
Unstandardized Coefficien Collinearity
Coefficients ts Statistics
Toleranc
Model B Std. Error Beta t Sig. e VIF
1 (Constant) 1.649E 4930415.8 3.345 .016
7 04
pembiayaan .081 .027 .771 2.964 .025 1.000 1.000
murabahah
a. Dependent Variable: Net Profit
Based on the above table is the result of calculation can be known SPSS v 17:00
thitung for murabaha financing variable is equal to 2.964 with degrees of freedom for 6 (n-2
is 8-2), with two-sided test where the significance level of 5% is obtained for 2.447
TTable(table attached in Appendix I). So tcount greater than TTable (2.964> 2.447). Because T
Table <t count then Ho is rejected and Ha accepted. This means that there is significant influence
between murabaha financing to net income in the BMT Mitra.
Daerah
Penerimaan H0
Daerah Penerimaan Ha Daerah Penerimaan Ha
-2,964 t a/2 =- 2,447 0 t a/2 = 2,447 2,964
The curve above shows that Ho refused and Ha is received,because the value
of t (2.964) is greater than the value t table (2.447) so that the fall in the reception area of
Ha. Thus, the hypothesis which states "There is the influence
of Murabaha financing to increase net income BMT Mitra Cimahi" accepted, this means
that there isinfluence between murabaha financing to net income in the BMTMitra Cimahi.
1.11 Results Analysis
Murabaha financing that occurred in each quarterly BMT Cimahi Mitras has considerable
changes fluctuated but has a tendency to rise. It can be seen in figure 4.3 which shows the
Umi Rahmawati | Influence on the Murabaha Financing Net Profit
18. growth charts murabaha financing, based on the chart, the highest funding occurred during
the second quarter of 2009 amounting to 50.04%, but when seen from the nominal amount of
funding, the highest value murabaha financing that occurred in the BMT Mitras Cimahi
occurred in the fourth quarter of 2010, amounting to Rp.337,605,012.07. And BMT Mitras
continues to make efforts in order to increase its financing murabaha is undertaking various
efforts to further develop the financing.
Murabaha financing conducted by BMT Mitras Cimahi each quarterly experiencing
continued experiencing a change. This caused the fluctuations in the distribution of funds
conducted by BMT Mitra Cimahi, this can be influenced by ketresediaan funds owned by the
BMT itself, nor the rate of increase and decrease in demand for financing from the
customer. As seen in Table 4.3 on murabaha financing growth, there was obvious that in
every quarter there is no funding in the amount equal value. This affects the level of net profit
in the BMT Mitras, together with the growth rate muarabahah financing, net profit at BMT
Mitras also have ups and downs. In table 4.4 the development of net profit is lowest in the
period of the first quarter of 2010 reached 60.04% decline, while the highest increase in the
period of the fourth quarter of 2009 net profit growth of 58.15%. While in nominal terms, the
highest income gains occurred during the fourth quarter of 2010, amounting to Rp
46,736,643.03. And profitability terndah occurred during the first quarter of 2009, which is
only Rp 15,456,607.27. It is apparent that net profit in the BMT is influenced by besanya
Mitras murabaha financing undertaken. Large net profit in itself is influenced by other
financing undertaken by BMT Mitra Cimahi, but on a graph showing the growth of murabaha
financing and net profit growth of BMT Mitras, it is clear the influence between murabaha
financing of net profit.
Seen from the graph between growth murabaha financing and net profit growth, is between
the two are not obvious similarity between the rise and fall. But seen from the magnitude of
financing murabaha nilan between net profit and value, it was obvious similarities, whether
viewed from the rise or fall. Equally decline occurred during the first quarter of 2010. In each
year per quarter between murabaha financing and profit both increased.
Stastistik Based on the analysis performed using SPSS (Statistic Product and Service
Solution) 17:00 version obtained the correlation between the level of financing murabaha
with profits amounting to 0.771. This suggests a strong relationship between variables and
Umi Rahmawati | Influence on the Murabaha Financing Net Profit
19. variable financing murabaha net profit, because its value was in the range 0.60 <r
<0.799. Means of financing murabaha have a strong relationship with net profit in BMT
Mitra Cimahi.
To find out how they affect the financing murabaha profits have increased BMT Mitra
Cimahi then used simple linear regression analysis. Based on the data processing using SPSS
version 17:00 regression equation obtained between murabaha financing with net income of
BMT Mitras is Y = 16491297.21 + 0.081 X. Based on the known equation of the regression
coefficients showed a positive net profit of 0.081. It indicates if the financing murabaha
increased by 1% then the rate of net profit will increase by 0.081%.Positive coefficient means
there is a positive relationship between murabaha financing with net income of BMT Mitra
Cimahi in other words, if the financing is to increase the net income murabaha BMT Cimahi
Mitras will have a tendency to increase as well.
Based on the results of analytical calculations of determination (KD) value determination of
changes in working capital turnover figures showed 59.4%. In other words, the contribution
of changes in the financing of the net profit murabaha BMT Cimahi Mitras for 59.4%. This
shows there are still other factors that affect net profit for BMT Mitras Cimahi 40.6% is not
examined in this study. By comparing the calculated t table statistic by t count where t count for
murabaha financing variable is equal to 2.964 with degrees of freedom for 6 (n-2 is 8-2), with
two-sided test where the significance level of 5% is obtained TTable of 2.447. So we get the t
count >t table is 2.964> 2.447, which means Ha Ho accepted and rejected so that the partial
between murabaha financing and net profit in BMT Mitra Cimahi significant relationship
exists.
Thus it can be said that the financing murabaha potentially affect net profit BMT Mitra
Cimahi. While the contribution provided financing murabaha against net profit amounted to
59.4%.Increased funding should be coupled with increased murabaha net
profit. Inefficiencies in the provision of financing murabaha in an increase in net profit net
profit would lead to the acquisition plan did not achieve a predetermined profit
1.13 Conclusion
Based on the results of research and discussion by the author on the Baitul Maal wat Tamwil
Umi Rahmawati | Influence on the Murabaha Financing Net Profit
20. (BMT) Mitras murabaha Cimahi regarding the effect of financing on the net profit, the author
can take kesimbulan as follows:
1. Murabaha financing conducted by BMT Mitra Cimahi in the period first quarter 2009 to
fourth quarter of 2010 has a tendency to rise despite decline in a given month. Decrease
in the highest level seen murabaha financing from revenue margin occurred during the
first quarter of 2010, amounting to 55.31%. Murabaha financing was highest in the
period of the fourth quarter of 2010 with funding amounting to Rp 337,605,012.07, while
for the lowest financing occurred during the first quarter of 2009 amounted to Rp
22,534,033.00 and the amount of financing murabaha occurring during 2009-2010
amounted to Rp1, 196,556,696.52.
2. Net profit for the year 2009-2010 is Rp. 228,318,328.83, where in 2009 I quarter period
until the fourth quarter of 2010, net profit BMT Mitras tend to increase, albeit at trwulan
I period in 2010 decreased the rate of profit of 60.04% . Obtaining the highest profit in
the period fourth quarter of 2010 amounting to Rp 46,736,643.03, and the lowest
profitability occurred during the first quarter of 2009 amounting to Rp 15,456,607.27.
3. Financing murabaha potentially related to net profit in BMT Mitra Cimahi. This is
attested by the results of simple regression analysis is Y = 16491297.21 + 0.081 X. The
relationship between murabaha financing with net profit is strong, it dbuktikan with the
results of correlation analysis is 0.771. While the contribution provided financing
murabaha against net profit amounted to 59.4% the rest is influenced by other factors. In
the hypothesis test results obtained t count> t table is 2964> 2.447, which means Ha Ho
accepted and rejected so that the financing and net profit murabaha BMT Mitra Cimahi
significant relationship exists.
Umi Rahmawati | Influence on the Murabaha Financing Net Profit
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