Analisis Faktor Faktor Yang Mempengaruhi Pembiayaan Kpr Di Bank Muamalat Medan - Repository UIN Sumatera Utara
DAFTAR ISI
DAFTAR ISI .........................................................................................
i
BAB I
PENDAHULUAN ...............................................................
1
A. Latar Belakang Masalah .................................................
5
B. Perumusan Masalah........................................................
5
C. Pembatasan Masalah ......................................................
5
D. Tujuan penelitian ............................................................
5
E. Manfaat Penelitian .................................................................
6
KERANGKA TEORITIS ..................................................
7
A. Teori Pendapatan ...........................................................
7
1. Konsep Pendapatan ..................................................
9
2. Sumber Pendapatan ..................................................
10
B. Teori Lokasi ...................................................................
14
C. Teori Pelayanan ..............................................................
24
BAB II
1. Dimensi Kualitas Pelayanan dalam Perspektif
Islam ........................................................................
25
2. Mengelolah Kualitas Jasa .........................................
33
D. Pembiayaan KPR............................................................
36
1. KPR Syari’ah............................................................
37
2. KPR dalam Perspektif hukum Islam ........................
38
3.
41
Akad dalam KPR Syariah .......................................
4. Perbedaan KPR konvensional dan
BAB III
KPR Syariah .............................................................
43
5. Manfaat KPR Syariah...............................................
46
E. Religi (Perilaku Keagamaan) .........................................
46
F. Penelitian Terdahulu ......................................................
54
G. Kerangka Pemikiran .......................................................
55
H. Hipotesis .........................................................................
56
METODE PENELITIAN ..................................................
57
A. Pendekatan Penelitian ....................................................
57
B. Lokasi Dan Waktu Penelitian.........................................
57
i
BAB IV
C. Populasi dan Sampel ......................................................
57
1. Populasi .....................................................................
57
2. Sampel .......................................................................
58
D. Definisi Variabel ....................................................................
58
E. Metode Pengumpulan Data ............................................
59
F. Uji Instrumen Data ................................................................
59
1. Validitas dan Reabilitas ............................................
59
a. Pengujian Validitas ...........................................
60
b. Pengujian Reliabilitas .........................................
60
2. Model Analisis Data ........................................................
61
a. Analisis Kualitatif ..............................................
61
b. Analisis Kuantitatif ............................................
61
c. Analisis Regresi Berganda ................................
61
1) Uji Multikolonieritas ....................................
62
2) Uji Heterokedastisitas ..................................
63
3) Uji Normalitas ...........................................
64
d. Koefisien Determinasi ........................................
64
e. Pengujian Hipotesis ............................................
64
1) Uji T ............................................................
64
2) Uji F .............................................................
65
PEMBAHASAN DAN HASIL PENELITIAN ................
67
A. Sejarah Bank Syariah ....................................................
67
1. Sejarah lahirnya bank syariah pertama di Indonesia
68
2. Prinsip Dasar Perbankan Syariah dan Produk yang
ditawarkan .......................................................................
69
a. Prinsip Titipan atau Simpanan (Al-Wadiah) ............
69
b. Prinsip Bagi Hasil (Profit Sharing) ..........................
70
c. Prinsip Jual Beli (Al-Tijarah) ...................................
71
d. Prinsip Sewa (Al-Ijarah) ..........................................
73
e. Prinsip Jasa (Fee-Based Service) .............................
73
B. Perkembangan Bank Syariah .........................................
75
ii
C. Sejarah Berdirinya Bank Muamalat ...............................
84
D. Ruang Lingkup Kegiatan Perusahaan ............................
87
1. Penghimpunan dana (funding) .................................
87
2. Penyaluran Dana (Pembiayaan) ...............................
89
3. Jasa- jasa bank ..........................................................
90
4. Keunggulan PT. Bank Muamalat .............................
91
E. Analisis Deskriptif..........................................................
93
1. Demografi Responden ..............................................
93
F. Pengujian Hasil Estimasi Model Penelitian ...................
95
1. Uji Kriteria Statistik .................................................
95
a. Uji Regresi Secara Parsial ..................................
95
b. Uji Koefisien Regresi Secara Serentak ..............
97
c. Uji Ketepatan Letak Taksiran Garis Regresi
(Goodness of Fit)................................................
97
2. Uji Kriteria Ekonometrika........................................
98
a. Uji Gejala Multikolinearitas ...............................
98
b. Uji Gejala Normalitas.........................................
99
c. Uji Gejala Autokorelasi ......................................
99
3. Uji kriteria "a priori" ekonomi................................. 100
BAB V
KESIMPULAN DAN SARAN ............................................ 104
A. Kesimpulan..................................................................... 104
B. Saran-saran ..................................................................... 105
DAFTAR PUSTAKA ............................................................................. 107
iii
DAFTAR ISI .........................................................................................
i
BAB I
PENDAHULUAN ...............................................................
1
A. Latar Belakang Masalah .................................................
5
B. Perumusan Masalah........................................................
5
C. Pembatasan Masalah ......................................................
5
D. Tujuan penelitian ............................................................
5
E. Manfaat Penelitian .................................................................
6
KERANGKA TEORITIS ..................................................
7
A. Teori Pendapatan ...........................................................
7
1. Konsep Pendapatan ..................................................
9
2. Sumber Pendapatan ..................................................
10
B. Teori Lokasi ...................................................................
14
C. Teori Pelayanan ..............................................................
24
BAB II
1. Dimensi Kualitas Pelayanan dalam Perspektif
Islam ........................................................................
25
2. Mengelolah Kualitas Jasa .........................................
33
D. Pembiayaan KPR............................................................
36
1. KPR Syari’ah............................................................
37
2. KPR dalam Perspektif hukum Islam ........................
38
3.
41
Akad dalam KPR Syariah .......................................
4. Perbedaan KPR konvensional dan
BAB III
KPR Syariah .............................................................
43
5. Manfaat KPR Syariah...............................................
46
E. Religi (Perilaku Keagamaan) .........................................
46
F. Penelitian Terdahulu ......................................................
54
G. Kerangka Pemikiran .......................................................
55
H. Hipotesis .........................................................................
56
METODE PENELITIAN ..................................................
57
A. Pendekatan Penelitian ....................................................
57
B. Lokasi Dan Waktu Penelitian.........................................
57
i
BAB IV
C. Populasi dan Sampel ......................................................
57
1. Populasi .....................................................................
57
2. Sampel .......................................................................
58
D. Definisi Variabel ....................................................................
58
E. Metode Pengumpulan Data ............................................
59
F. Uji Instrumen Data ................................................................
59
1. Validitas dan Reabilitas ............................................
59
a. Pengujian Validitas ...........................................
60
b. Pengujian Reliabilitas .........................................
60
2. Model Analisis Data ........................................................
61
a. Analisis Kualitatif ..............................................
61
b. Analisis Kuantitatif ............................................
61
c. Analisis Regresi Berganda ................................
61
1) Uji Multikolonieritas ....................................
62
2) Uji Heterokedastisitas ..................................
63
3) Uji Normalitas ...........................................
64
d. Koefisien Determinasi ........................................
64
e. Pengujian Hipotesis ............................................
64
1) Uji T ............................................................
64
2) Uji F .............................................................
65
PEMBAHASAN DAN HASIL PENELITIAN ................
67
A. Sejarah Bank Syariah ....................................................
67
1. Sejarah lahirnya bank syariah pertama di Indonesia
68
2. Prinsip Dasar Perbankan Syariah dan Produk yang
ditawarkan .......................................................................
69
a. Prinsip Titipan atau Simpanan (Al-Wadiah) ............
69
b. Prinsip Bagi Hasil (Profit Sharing) ..........................
70
c. Prinsip Jual Beli (Al-Tijarah) ...................................
71
d. Prinsip Sewa (Al-Ijarah) ..........................................
73
e. Prinsip Jasa (Fee-Based Service) .............................
73
B. Perkembangan Bank Syariah .........................................
75
ii
C. Sejarah Berdirinya Bank Muamalat ...............................
84
D. Ruang Lingkup Kegiatan Perusahaan ............................
87
1. Penghimpunan dana (funding) .................................
87
2. Penyaluran Dana (Pembiayaan) ...............................
89
3. Jasa- jasa bank ..........................................................
90
4. Keunggulan PT. Bank Muamalat .............................
91
E. Analisis Deskriptif..........................................................
93
1. Demografi Responden ..............................................
93
F. Pengujian Hasil Estimasi Model Penelitian ...................
95
1. Uji Kriteria Statistik .................................................
95
a. Uji Regresi Secara Parsial ..................................
95
b. Uji Koefisien Regresi Secara Serentak ..............
97
c. Uji Ketepatan Letak Taksiran Garis Regresi
(Goodness of Fit)................................................
97
2. Uji Kriteria Ekonometrika........................................
98
a. Uji Gejala Multikolinearitas ...............................
98
b. Uji Gejala Normalitas.........................................
99
c. Uji Gejala Autokorelasi ......................................
99
3. Uji kriteria "a priori" ekonomi................................. 100
BAB V
KESIMPULAN DAN SARAN ............................................ 104
A. Kesimpulan..................................................................... 104
B. Saran-saran ..................................................................... 105
DAFTAR PUSTAKA ............................................................................. 107
iii