The customer as the last buyer receives the goods after having entered into a murabaha agreement with the bank and the LKS conducts murabaha with the customer, and at the same time represents the wakalah contract to the customer to buy the goods themselves. The application of murabahah in the practice of Sharia Financial Institutions (LKS) is the transfer of direct ownership from suppliers to customers, whereas direct bank payments are made to the first seller/supplier. The customer will pay it through periodical installment in accordance with his financial capabilities. #Buku lembaga perbankan dan keuangan pdf plusin accordance with the cost of goods purchased plus the level of profit agreed by both parties. Murabahah practiced in LKS is known as murabahah li al-'mir bi al-syirâ ', a sale and purchase transaction in which a customer comes to the bank to buy a commodity with certain criteria, and he promises to buy the commodity/goods in a murabahah contract, i.e. The Quertely Journal of Economics, 87(3), 355-374.The implementation of murabahah concept in syariah bank, if connected to clerical view, experienced some modification. International Journal of Econimics, Commerce and Management, 6(3), 40-55. The Effect of NPL, CAR, LDR, OER and NIM to Banking Return on Asset. The Chittagong University Journal of Business Administration, 19(2), 145-157. Loyalty and Satisfaction Construct in Retail Banking – An Empirical Study on Bank Customers. Determinants of banks' profitability: evidence from EU 27 banking systems. Petria Nicolae, Bogdan Capraru, Iulian Ihnatov. Journal of Financial Reporting and Accounting. The Determinant of Bank Profitability : Empirical Evidence from European Banking Sector. Principles of managerial finance (13th edition). Journal of international money and finance. Determinants of Bank Profitability Before and During the Crisis: evidence from Switzerland. Factors Impacting Profitability of Commercial Banks in Pakistan for the period of (2009-2012). Dasar-dasar Manajemen Keuangan buku I (edisi 11). Journal of International Financial Markets, Institutions and Money, 18, 121-36īrigham dan Houston. Bank specific, Industry Specific, and Macroeconomic Determinants of Bank Profitability. 139-152Īthanasoglou, P., Brissimis, S., dan Delis, M. Bank specific and maroekonomic determinants of commercial bank profitability: Empirical evidence from turkey, business and economics research journal, vol 2, no 2, pp. Investment Management and Financial Innovations. The Effect of Credit Risk Management on Financial Performance of the Jordanian Commercial banks. (2015) income diversification and bank efficiency in an emerging market. Determinants of bank profitability: Evidence from the Greek banking sector, Economic Annals, Vol LIV, No. The Quartely Journal of Economics, 84(3), 488-500.Īlexiou, C. The Market for “Lemons”: Quality Uncertainty and the Market Mechanism. International Journal of Managerial Finance. Determinant of Bank Profitability Before, During, and After the Financial Crisis.
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