Faktor yang mempengaruhi penentuan indicative rate penghimpunan dana pihak ketiga dan penentuan margin pembiayaan non bagi hasil: studi kasus di Bank Mu?amalat Indonesia = The factor affects indacative rate formulation of 3rd party fund gathering and margin formulation of non profit sharing financing: case study in Indonesia Muamalat Bank - Asiyah Binti Nur, author (2007)