Endogenous Factors for Financing Rationing on Sharia Banking in Indonesia

摘要

The aim of this research is to find the impact of revenue sharing, banks equity, NPF and total financing to a profit of Islamic Banking. The main aim of this research is to look for the financing of rationing in Indonesia's Islamic Banking. This research is quantitative approach use panel data with OLS (Ordinary Least Square) method estimated every bank hence use time series data regression. The dependent variable of this research is bank profit and independent variables are revenue sharing. The result of this research is the optimum revenue sharing each bank are different. The optimum revenue sharing acquired by derivation of the coefficient of revenue sharing variable and the coefficient of revenue sharing quadrate variable which had been antilog. The conclusion of this research is Islamic banking ration their financing when the revenue sharing every bank more than the optimum revenue sharing. Islamic banking ration their financing are Bank Muamalat, Bank Panin Syariah, Bank Jabar Banten Syariah, and Bank Victoria Syariah whereas Islamic bank does not ration their financing are Bank Mega Syariah, Bank Syariah Mandiri, Bank Rakyat Indonesia Syariah, Bank Syariah Bukopin, BCA Syariah and BNI Syariah.