SOSIALISASI FASILITAS KREDIT USAHA MIKRO DAN KREDIT USAHA RAKYAT DI ARSO XIV KABUPATEN KEEROM

The Purpose of community devotion is 1) to know and understand the banking products. 2) to knowand understand the credit facilities of MICRO Enterprises (KUM) and credit People's Business(KUR) PT. Bank Mandiri (Persero) TBK.Based on the results of the community service made to the community of dragon fruit farmers inArso XIV Keerom District can be concluded the following things: 1). The banking office can beunderstood through the submission of the lecturer who is devoted to the community and the speakerof the employee Micro Banking Manager PT. Bank Mandiri (Persero). Tbk. Introduction of thelecturer on the purpose and objectives.Explaining the meaning of the Bank is a business entity that raises funds from the community in theform of deposits and reorganized funds that have been compiled through Giro deposits, savings anddeposits to the community in the form of loans (loanable Fund) for conventional banks. Forconventional banks can provide interest-charged loans and other lending services in the form ofadministrative fees, provision fees, and commissions. In The material delivery to the people of thedragon fruit farmers in ARSO XIV Keerom District in this case the mothers in ARSO XIV of KeeromDistrict are very motivated in understanding and can distinguish Micro Business credit (KUM) andthe People's Business Credit (KUR) FROM PT. Bank Mandiri (Persero) TBK, so that it can developa community business through the facilities of the People's Business Credit (KUR) from PT. BankMandiri (Persero) TBK

PENGARUH KOMPONEN HARGA PEMBIAYAAN (COST OF LOANABLE FUND, OVERHEAD COST DAN RISK FACTOR) TERHADAP PRICING PEMBIAYAAN BERBASIS BAGI HASIL DI INDUSTRI PERBANKAN SYARIAH

his research aims to understand which components from three research variables are cost of loanable fund, overhead cost, and risk factor significantly effected towards financing pricing based on profit sharing in Sharia Banking Industry. This research used two financing aqds are mudharaba and musharaka. The research method was a quantitative method. Statistics tools used Multiple Linear Regression. Samples were used Sharia General Banking and Sharia Unit within Sharia Banking Statistic Reports published by Indonesian Central Bank and Financial Service Authority 2011-2015. The result is three-shaped-pricecomponent created financing price neither simultaneously nor partially mudharaba and musharaka. Partial results are cost of loanable fund, overhead cost and risk factor effected significantly towards mudharaba profit sharing rates, and cost of variable significantly to musharaka profit sharing rates.

PENGARUH COST OF LOANABLE FUND (COLF) DAN TINGKAT SUKU BUNGA SERTIFIKAT BANK INDONESIA (SBI) TERHADAP JUMLAH KREDIT YANG DIBERIKAN

This study aims to analyze the effect of the Cost of Loanable Fund (COLF) and the interest rate of Bank Indonesia Certificates (SBI) on the amount of credit granted. This research was conducted on PT.Bank Mandiri, Tbk 2000 - 2012. The results showed that partially Cost of loanable funds affect the amount of credit significantly while partially the interest rate of Bank Indonesia Certificates has no effect on the amount of credit significantly. Meanwhile, simultaneous test results show the Cost of loanable Fund and SBI have a significant effect on the amount of Loans Provided. The advice given to Bank Mandiri is that the bank management must be able to maintain the appropriate Cost of loanable Fund value. This is because based on the results of empirical research in the field of Cost of loanable funds have a strong and strong correlation to the amount of credit provided, in relation to the SBI which is a factor Given and Bank Indonesia policy, Bank Mandiri must be able to follow and make appropriate policies to improve the credit given at the optimum point. Keywords: Cost of loanable Fund, Bank Indonesia Certificates, Total Credit

Pengaruh Cost Of Loanable Fund, Overhead Cost, dan Risk Factor Terhadap Tingkat Margin Pembiayaan Berbasis Natural Certainty Contract di Industri Perbankan Syariah

The purpose of this study is to find out which of the three component parts were cost of loanable funds, overhead costs and risk factors that have a significant effect in determining the margin rate of natural certainty contracts-based financing in Islamic banking industry. This study uses two natural certainty contracts financing agreement, which is murabaha and istisnaa. This study uses a quantitative approach. The statistical tool used is multiple regression time series. The sample used is the Islamic Banks and Sharia Business Unit which data summarized in statistical reports of Islamic banking. The research period is 2009-2013 years. The results of this study is all three rate component simultaneously affect margin rate of murabaha and margin rate of istisnaa. Partial test results were variable risk factors significantly affect the margin rate of murabaha, and variable overhead costs significantly affect the margin rate of istisnaa