Abstract :
The purpose of this study was to determine factors that influence the
determination of the ratio of profit sharing ( musyarakah and mudharabah ) in BPRS.
Internal factors thought to influence the ratio of profit sharing are the type of customer,
the composition of capital, expected rate of return, and profit expectations. External
factors expected to affect the determination of the profit sharing ratio are the level of
price competition, and the level of risk financing.
This study used qualitative analysis methods, which are not only limited to the
collection and compilation of data but include analysis and interpretation the meaning of
the data. This study is a case study on PT BPRS Harta Insan Karimah Bekasi with the
policy period in 2010.
The results showed that the internal factors affecting the profit sharing ratio
Musyarakah and Mudharabah financing are the type of customer, the composition of
capital, expected rate of return, and profit expectations. The external factors are the
level of price competition and level of risk financing.
Keyword : musyarakah, mudharabah, internal factors, external factors.