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Jurnal Kebijakan Ekonomi

Abstract

The purpose of this study was to analyze the effect of the income structure of Islamic banking to Islamic banking business risk in Indonesia. The results showed that the average level of business risk in Indonesia with 11 samples of Islamic banking are listed on the Stock Exchange in 2011 to 2013, shows the average value of 7.49% with a range of 1% to 23.5% with a standard value his deviation of 7.7%. Islamic banking is expected to minimize the risk of the business in order to survive and be able to provide financial facilities with financial instruments (Financial Instruments), which conformed to the rules and norms of Shariah Furthermore, the results confirm that mudaraba and ijaroh significant influence on business risk while variable musharaka and murabaha, no significant effect to business risk.

Bahasa Abstract

Tujuan dari penelitian ini adalah untuk menganalisis pengaruh struktur pendapatan perbankan syariah terhadap risiko bisnis perbankan syariah di Indonesia. Hasil penelitian menunjukkan bahwa rata-rata tingkat risiko bisnis perbankan syariah di Indonesia dengan sampel 11 perbankan syariah yang terdaftar di BEI pada tahun 2011 sampai dengan 2013, menunjukkan Nilai rata-rata 7,49% dengan kisaran 1% sampai dengan 23,5% dengan nilai standar deviation-nya sebesar 7,7%. Hasil penelitian juga mengkonfirmasi bahwa mudharabah dan ijaroh berpengaruh signifikan terhadap risiko bisnis sedangkan variabel musyarakah dan murabahah tidak berpengaruh signifikan terhadap risiko bisnis.

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