Faktor-Faktor Yang Mempengaruhi Deposito Mudharabah Pada Perbankan Syariah (Study Kasus Pt. Bank Bni Syariah Cabang Surabaya) (original) (raw)
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Analisis Faktor Yang Mempengaruhi Deposito Mudharabah Pada Bank Syariah DI Indonesia Dan Malaysia
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Faktor-faktor yang mempengaruhi deposito mudharabah pada bank syariah di Indonesia
Mudharabah Deposit is one of Islamic banking products, which is the biggest contributor to sharia banking compared to other collecting products. In addition, according to Bank Indonesia's report, the number of Islamic banking deposits each year has increased significantly. Therefore, in this study, the authors want to know the factors that are expected to affect the number of mudharabah deposits. There are 6 factors that are expected to affect the number of deposits, namely the profit-sharing rate, the interest rate, the promotion rate, the inflation rate, the FDR, and the number of offices. The authors use a weighted average in terms of rate of profit sharing and interest rate and data processing using multiple linear regression. The results of these regression calculations, simultaneously show positive and significant results for all variables. This value resulted from the four regression has a value of sig-F 0.000 is smaller than 10% significance. Partially, profit sharing, promotion cost and number of offices show significant and positive effect on total mudharabah deposit, while interest rate, inflation and FDR show no effect on mudharabah deposit amount.
J-AKSI : JURNAL AKUNTANSI DAN SISTEM INFORMASI
This study aims to determine the analysis of the factors that influence customers to make mudharabah deposits at Islamic banks in the city of Palopo. The data collection method used is direct questionnaires which are distributed directly to customers at Bank Muamalat Palopo City. The population in this study were all customers of Bank Muamalat Palopo City and the determination of the sample using the slovin formula technique with a total sample of 98 respondents. The data analysis technique used is multiple linear regression analysis. Based on the results of multiple linear regression analysis shows that the profit sharing ratio and promotion costs simultaneously have a significant effect on mudharabah deposits at Bank Muamalat Palopo City.
JIM: Jurnal Ilmiah Mahasiswa
This study aims to determine the factors that affect customers to deposit mudharabah at Aceh Sharia Bank Idi Rayeuk Branch and to determine the partial and simultaneous effect on interest in mudharabah deposits. There are several factors that influence customers in performing mudharabah deposits such as the influence of profit sharing factors, service factors and promotion factors. This study is quantitative study, using 81 respondents as research sample. Sampling in this research is done by probability sampling with Random sampling method, that sample selection technique without considering the level that exist in that population. Data collection techniques using questionnaires as many as 41 items of questions assessed by the likert scale 1-5 and tested its feasibility using the validity and realiability test. The collected data were classical assumption test including multicolinearity test, heterokedastic...
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The purpose of this research is to analyze the effect of Non Performing Financing,Operational Efficiency Ratio, BI Rate and inflation toward the rate of return mudharabah deposits islamic bank industries in Indonesia start from January 2012 until December 2016. This research use quantitative approach. The analysis method used in this research is time series regression using eviews 9.0 program. This research used saturation sampling. Sample that used in this research were taken from Islamic Bank Statistic issued by OJK, while BI Rate and Inflation taken from www.bi.go.id. The result show that Non Performing Financinghas no effect on the rate of return mudharabah deposits, Beban Operasional Pendapatan Operasional has no effect on the rate of return mudharabah deposits. While BI Rate has positive and significant on the rate of return mudharabah deposits, and than variabel inflation has negative and significant on the rate of return mudharabah deposits. All of the independent variables ...
Faktor-Faktor yang Mempengaruhi Pertumbuhan Deposito Mudharabah Bank Syariah
This study aimed to examine the effect of interest rates, the level of profit sharing mudaraba deposits, liquidity, inflation and the size of the company on the growth of mudaraba deposits at Islamic banking. Data taken from statistical reports of Islamic banking at Bank Indonesia from January 2009 to May 2012. The method used is the method of multiple linear regression. Using this method along with the underlying assumptions. The results showed that the rate of profit sharing mudaraba deposits and the size of the company's positive influence, and interest rates negatively affect mudharabah 1 month deposit growth of Islamic banks. While the level of liquidity and inflation showed no effect on mudaraba 1 month deposit growth of Islamic banks. The implications of this study should further improve the management of Islamic banks performance and work together with the Indonesian Ulema Council to provide wider dissemination of the prohibition of bank interest, so that customers of Islamic banks, are not interested with high interest rates offered by conventional banks. Future studies are expected to use the time series data that is longer, add another independent variable, researching funding third parties other than mudaraba deposits.
Analisis Faktor Penentu Simpanan Mudharabah Bank Syariah DI Indonesia Dan Malaysia
Jurnal Ilmu Ekonomi JIE
This research was conducted to find out how the development and influence of Islamic Bank Mudharabah Deposits in Indonesia and Malaysia. The analysis technique used is the panel with a purposive sampling, data regression with quantitative inferential type of the research is using secondary data from Financial Report data for each Sharia bank in Indonesia and Malaysia and World Bank data for 2010-2018. Simultaneous test results show that the value of F-count 192.775> F-table 2.56 of these values can be concluded that H0 is rejected, which means there is an influence simultaneously and together on the variable ROA, Profit Sharing, Inflation and GDP of the variable Mudharabah Deposits in Islamic banks in Indonesia in 2010-2018. Furthermore, for the Malaysian results, the F-count value is 49.99581> F-table 2.56 from that value that H0 is rejected, which means that there is a simultaneous and joint influence on the ROA, Profit Sharing, Inflation and GDP variables of the Mudharabah ...
JURNAL EKONOMI DAN PERBANKAN SYARIAH
This research aims to test the influence of Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), and operating income against operating expenses return for the results on the Mudharabah deposit a public Bank Syariah 2012-2016 period. The object of this research is full-fledged Islamic Bank in Indonesia. Sampling is done by purposive sampling technique so that the retrieved 9 samples of full- fledged Islamic Banks during period 2012-2016. Methods of analysis used in this study was multiple linear regression using panel data that help by using Eviews9. The results of this study indicate that simultaneously independent variable has no effect significantly to the rare of profit sharing deposito mudharaba in islamic bank. While partially, FDR and the NPF has no effect significantly to the rare of profit sharing deposito mudharaba in islamic bank, and BOPO has positive significantly effect to the rare of profit sharing deposito mudharaba in islamic bank.
2020
Tujuan dari dilakukannya penelitian ini adalah untuk mengetahui seberapa besar pengaruh tingkat suku bunga, bagi hasil, financing to deposit ratio (FDR), Non performing financing (NPF), dan jumlah kantor terhadap deposito mudharabah. Deposito mudharabah merupakan bagian dari variabel dependen, sedangkan variabel independennya meliputi tingkat suku bunga, bagi hasil, financing to deposito ratio (FDR), Non performing financing (NPF), dan jumlah kantor. Populasi dalam penelitian ini adalah Bank umum syariah yang listing di bank Indonesia pada tahun 2014-2018. Sampel dikumpulkan dari laporan tahunan dan laporan triwulan masing-masing bank yang bersangkut dan dianalisis dengan menggunakan analisis regresi berganda