首页> 外文期刊>Amwaluna: Jurnal Ekonomi dan Keuangan Syariah >ANALYSIS OF THE EFFECT OF MURABAHA FINANCE IN SHARIA BANKS ON THE ECONOMIC GROWTH OF AGRICULTURAL SECTOR
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ANALYSIS OF THE EFFECT OF MURABAHA FINANCE IN SHARIA BANKS ON THE ECONOMIC GROWTH OF AGRICULTURAL SECTOR

机译:澳大拉巴金融对农业部门经济增长的影响分析

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The purpose of this study is to analyze the influence of Islamic banks murabaha financing on the economic growth of the agricultural sector which measured by Gross Domestic Product (GDP) of the agricultural sector and analyze the characteristics of murabaha for the agricultural sector. The analytical method used is simple linear regression and also a qualitative overall analysis. Data analyzed from 2010-2018 were 36, obtained from the Otoritas Jasa Keuangan (OJK) and Badan Pusat Statistik (BPS). The results showed that murabaha financing had a positive effect on economic growth in the agricultural sector. Murabaha products in Islamic banking are one of the easiest products to use as an alternative to financing the agricultural sector. Because of its simplicity, this product has become more frequently used and most of the distribution of funds is through murabaha contracts. Even so the murabaha scheme of the agricultural sector has different characteristics from other sectors, considering that farmers can only pay the installments after the harvest. That way, Islamic banking must have the right source of funds for this financing, such as mudharabah muqayyadah. Not all agricultural financing activities must use the murabaha contract, because in its application it must also be adjusted to the terms and funding period, so Islamic Banks can use alternative contracts that are more appropriate.
机译:本研究的目的是分析伊斯兰银行Murabaha Murabaha融资对农业部门总体产品(GDP)的经济增长的影响,并分析了农业部门的村哈哈的特点。使用的分析方法是简单的线性回归,也是定性的整体分析。从2010-2018分析的数据为36,从Otoritas Jasa Keuangan(OJK)和巴丹·普斯特·统计数据(BPS)获得。结果表明,Murabaha融资对农业部门的经济增长产生了积极影响。 Murabaha产品在伊斯兰银行业务是最容易用作农业部门融资的替代产品之一。由于其简单性,该产品已变得更频繁地使用,大部分资金分配都通过Murabaha合同。即使因此,农业部门的Murabaha计划与其他部门有不同的特征,考虑到农民只能在收获后支付分期付款。这样,伊斯兰银行必须为这笔融资提供正确的资金来源,例如Mudharabah Muqayyadah。并非所有农业融资活动都必须使用Murabaha合同,因为在其应用中,它还必须调整到条款和资金期间,因此伊斯兰银行可以使用更合适的替代合同。

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