ADLN - Perpustakaan Universitas Airlangga

ADLN - Perpustakaan Universitas Airlangga

DAFTAR ISI

Halaman Sampul Depan ................................................................................... ......... i Sampul Dalam ................................................................................... ......... ii ii Prasyarat Gelar ........................................................................................... iii Persetujuan .................................................................................................. iv Penetapan Panitia Penguji .......................................................................... v Ucapan Terima Kasih ................................................................................. vi Ringkasan ................................................................................................... ix Summary .................................................................................................... xi Abstrak ....................................................................................................... xv Abstract ...................................................................................................... xvi DAFTAR ISI .............................................................................................. xviii DAFTAR TABEL ...................................................................................... xxi DAFTAR GAMBAR .................................................................................. xxii DAFTAR LAMPIRAN ...............................................................................xxiii BAB 1 PENDAHULUAN 1.1 Latar Belakang ............................................................................. 1.2 Rumusan Masalah ........................................................................ 1.3 Tujuan Penelitian .................................................... ..................... 1.4 Manfaat Penelitian .......................................................................

1 11 12 12

BAB 2 LANDASAN TEORI 2.1 Produk Bank Syariah .................................................................... 2.1.1 Definisi Pembiayaan Bank Syariah ........................................ 2.1.2 Landasan Pembiayaan secara Syariah .................................... 2.1.2.1 Landasan Syariah Pembiayaan Mudharabah ................. 2.1.2.2 Landasan Syariah Pembiayaan Musyarakah .................. 2.1.2.3 Landasan Syariah Pembiayaan Murabahah ................... 2.1.2.4 Landasan Syariah Pembiayaan Salam ............................ 2.1.2.5 Landasan Syariah Pembiayaan Ijarah ............................ 2.1.2.6 Landasan Syariah Pembiayaan Istishna’ ........................ 2.1.3 Prinsip – Prinsip Pemberian Pembiayaan ............................... 2.1.4 Jenis – Jenis Pembiayaan ........................................................ 2.1.5 Peranan Pembiayaan dalam Perekonomian ............................ 2.1.5.1 Fungsi Investasi dalam Ekonomi Islam ........................... 2.1.6 Risiko Pembiayaan .................................................................. 2.1.7 Pengertian Pembiayaan Bermasalah ....................................... 2.1.7.1 Faktor – Faktor Penyebab Pembiayaan Bermasalah ....... 2.1.7.2 Kualitas Aktiva Produktif Bank Syariah .......................... 2.1.7.3 Kriteria Penilaian Kualitas Pembiayaan ......................... 2.1.7.4 Penyelesaian Pembiayaan Bermasalah ............................ 2.1.7.5 Tinjauan Syariah tentang Pembiayaan Bermasalah ........ 2.1.8 Faktor – faktor Permintaan Aset Frederic S. Mishkin ............. 2.2 Kinerja Ekonomi .......................................................................... 2.2.1 Pengertian Produk Nasional Bruto (PNB) .............................. 2.2.2 Pengertian Pendapatan Nasional ……....................................

14 20 22 22 24 25 26 26 28 28 30 32 34 36 37 39 40 41 43 45 51 53 53 54

xviii TESIS

ANALISIS FAKTOR – FAKTOR YANG MEMPENGARUHI...

LINA NUGRAHA RANI


2.2.3 Pengertian Indeks Produksi Industri (IPI) ............................. 2.3 Perbedaan Sistem Bunga dan Bagi Hasil ...................................... 2.3.1 Pengertian Nisbah Bagi Hasil ............................................... 2.3.2 Pengertian Financing Rate .................................................... 2.4 Pengertian Krisis Ekonomi ........................................................... 2.4.1 Krisis Keuangan Global ........................................................ 2.5 Inflasi ............................................................................................ 2.5.1 Pengertian Inflasi ..................................................................... 2.5.2 Jenis Inflasi Menurut Sifatnya ................................................. 2.5.3 Jenis Inflasi Berdasarkan Sebabnya ........................................ 2.5.4 Menentukan Tingkat Inflasi ..................................................... 2.6 Penelitian Sebelumnya ..................................................................

54 56 57 59 61 62 66 66 66 67 69 69

BAB 3 KERANGKA KONSEPTUAL DAN HIPOTESIS PENELITIAN 3.1 Kerangka Berfikir .......................................................................... 74 3.2 Hipotesis Penelitian ....................................................................... 75 3.3 Kerangka Konseptual Penelitian ................................................... 82 BAB 4 DATA DAN METODE PENELITIAN 4.1 Jenis Penelitian ............................................................................ 4.2 Populasi dan Sampel ........................................................... ......... 4.3 Metode Pengumpulan Data .......................................................... 4.4 Identifikasi Variabel .................................................................... 4.5 Definisi Operasional Variabel ..................................................... 4.6 Teknik Analisis .................................................................... ......... 4.6.1 Uji Stasioneritas ...................................................................... 4.6.2 Uji Kointegrasi ........................................................................ BAB 5 ANALISIS HASIL PENELITIAN 5.1 Data Penelitian .................................................................... ......... 5.1.1 Non Performing Financing (NPF) Perbankan Syariah ........... 5.1.2 Kinerja Ekonomi Indonesia .................................................... 5.1.3 Total Pembiayaan (Financing) Perbankan Syariah ................ 5.1.4 Tingkat Pengembalian Pembiayaan (Financing Rate) Perbankan Syariah ................................................................. 5.1.5 Dummy Krisis Keuangan Global di Indonesia ........................ 5.1.6 Tingkat Inflasi di Indonesia .................................................... 5.2 Analisis Model ............................................................................... 5.2.1 Uji Stasioneritas Data ............................................................. 5.2.2 Penentuan Lag Optimal ........................................................... 5.2.3 Uji Kointegrasi ........................................................................ 5.2.4 Pembuktian Hipotesis ..............................................................

83 83 83 85 85 89 89 90 93 94 98 101 103 105 107 109 109 112 112 115

BAB 6 PEMBAHASAN 6.1 Faktor – faktor yang Mempengaruhi Non Perfoming Financing (NPF) ............................................................................ 117 6.1.1 Pengaruh Kinerja Ekonomi terhadap NPF .............................. 117 6.1.2 Pengaruh Total Pembiayaan terhadap NPF ............................ 119 xix TESIS


LINA NUGRAHA RANI


6.1.3 Pengaruh Tingkat Pengembalian Pembiayaan terhadap NPF .......................................................................... 6.1.4 Pengaruh Dummy Krisis Keuangan Global terhadap NPF .......................................................................... 6.1.5 Pengaruh Tingkat Inflasi terhadap NPF ................................. 6.2 Temuan Studi ....................................................................... ......... 6.2.1 Temuan Teoritis ....................................................................... 6.2.2 Temuan Empiris ....................................................................... 6.3 Keterbatasan Studi .........................................................................

121 123 125 127 128 131 133

BAB 7 PENUTUP 7.1 Kesimpulan .................................................................................... 134 7.2 Saran .............................................................................................. 135 DAFTAR PUSTAKA ................................................................................ 138 LAMPIRAN ............................................................................................... 143

xx TESIS


LINA NUGRAHA RANI


DAFTAR TABEL Halaman Tabel 1.1 Tabel 1.2 Tabel 2.1 Tabel 2.2 Tabel 2.3 Tabel 4.1 Tabel 5.1 Tabel 5.2 Tabel 6.1

Perkembangan Jaringan Kantor Perbankan Syariah di Indonesia ............................................................................. Perkembangan Pembiayaan Perbankan Syariah di Indonesia ............................................................................. Kriteria Penilaian Kualitas Pembiayaan dari Segi Kemampuan Bayar Berdasarkan Kelompok Produk Pembayaran ......................................................................... Perbedaan Sistem Bunga dan Bagi Hasil ........................... Ringkasan Penelitian Terdahulu ........................................ Ringkasan Definisi Operasional Variabel .......................... Hasil Uji Stasioneritas ADF dan PP ................................... Hasil Uji Kointegrasi .......................................................... Perkembangan Pertumbuhan Ekonomi di Indonesia Periode tahun 2003 – 2013 .................................................

2 3 42 57 73 88 110 112 118

xxi TESIS


LINA NUGRAHA RANI


DAFTAR GAMBAR Halaman Gambar 1.1 Gambar 2.1 Gambar 3.1 Gambar 3.2 Gambar 3.3 Gambar 5.1 Gambar 5.2 Gambar 5.3 Gambar 5.4 Gambar 5.5 Gambar 6.1

Perkembangan Non Performing Financing (NPF) Persentase ........................................................................... Hubungan antara Tingkat Keuntungan yang Diharapkan dan Investasi ....................................................................... Kerangka Berpikir .............................................................. Kurva Penawaran dan Permintaan Suku Bunga dan Dana Pinjaman .................................................................. Kerangka Konseptual ......................................................... Grafik Perkembangan Non Performing Financing (NPF) Nominal Perbankan Syariah ............................................... Grafik Perkembangan Kinerja Ekonomi ............................ Grafik Perkembangan Total Pembiayaan (Financing) Perbankan Syariah .............................................................. Grafik Perkembangan Tingkat Pengembalian Pembiayaan (Financing Rate) Indonesia ................................................ Grafik Perkembangan Tingkat Inflasi Indonesia ................ Grafik Perkembangan Pertumbuhan Ekonomi di Indonesia Periode Januari 2003 – Maret 2013 ....................................

8 36 75 80 82 95 99 101 105 108 126

xxii TESIS


LINA NUGRAHA RANI


DAFTAR LAMPIRAN Halaman Lampiran Lampiran Lampiran Lampiran Lampiran Lampiran

1 2 3 4 5 6

Lembar Pernyataan ............................................................. Data ..................................................................................... Uji Stasioneritas (Eviews 6.1) ............................................ Penentuan Lag Length Criteria ........................................... Uji Kointegrasi .................................................................... Uji Korelasi IMA dan Tingkat Suku Bunga Investasi Bank Pemerintah .................................................................

143 144 145 169 170 171

xxiii TESIS


LINA NUGRAHA RANI

ADLN - Perpustakaan Universitas Airlangga

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