FAKTOR-FAKTOR YANG MEMPENGARUHI PENETAPAN FORMULA PRICING DI PERBANKAN SYARIAH

Abstract

The purpose of this paper is to identifies factors influenced in determination of pricing formula in Islamic Banking. This research used survey method and the locations are in Islamic Banking Head Office in Jakarta and Bandung with qualitative approach. Technical of data collection are by survey and interview with the employees of Islamic Banking from ALMA Committee and asset and liabilities unit in head office. Based on the results of data analysis, it is concluded that four factors that influenced in determination of pricing formula in Islamic Banking : Cost of Fund, Overhead Cost, risk and bank margin.