%0 Thesis
%9 Skripsi
%A Abdul Rohim, NIM.: 16830069
%B FAKULTAS EKONOMI DAN BISNIS ISLAM
%D 2023
%F digilib:60332
%I UIN SUNAN KALIJAGA YOGYAKARTA
%K Inflasi, Suku Bunga, Biaya Operasional, Margin Pembiayaan  Murabahah, Bank Umum Syariah, Indonesia.
%P 87
%T PENGARUH INFLASI , SUKU BUNGA DAN BIAYA OPRASIONAL TERHADAP MARGIN PEMBIAYAAN MURABAHAH PADA BANK UMUM SYARIAH INDONESIA
%U https://digilib.uin-suka.ac.id/id/eprint/60332/
%X This study aims to analyze the effect of inflation, interest rates, and operating costs  on the margins of murabahah financing at Islamic commercial banks in Indonesia.  Murabaha financing margin is the main indicator of the profitability of Islamic  banks that reflects the bank's ability to generate profits from financing products.  This research method uses historical data on the financial reports of Islamic  commercial banks in Indonesia for a certain period. These data were analyzed using  appropriate statistical techniques and regression models. Inflation, interest rates,  and operational costs are identified as independent variables, while the murabaha  financing margin is the dependent variable. The results of the study show that  inflation, interest rates, and operational costs have a significant influence on the  margins of murabahah financing at Islamic commercial banks in Indonesia.  Inflation and interest rates have a negative impact on margins, while operating costs  have a positive impact. This finding has important implications for the risk  management and business strategy of Islamic banks. Bank management can use the  results of this study to optimize their murabaha financing margins by considering  external factors such as inflation and interest rates, as well as managing operational  costs efficiently.
%Z Pembimbing: Rizaldi Yusfianto, S.Pd.,M.M