Pengaruh Tingkat Bagi Hasil, Financing to Deposit Ratio (FDR) Dan Tingkat Inflasi Terhadap Deposito Mudharabah Pada Bank Umum Syariah (BUS) Periode 2014 – 2017
DOI:
https://doi.org/10.22219/jes.v4i1.8752Keywords:
Mudharaba, Profit Sharing, Financing to Deposit Ratio, inflation.Abstract
This study aims to determine the factors affect the amount of mudharaba deposits in Sharia Commercial Banks period 2014-2017. Factors affecting mudharaba deposits are used in this study which profit sharing rate, liquidity level measured by financing to deposit ratio, and inflation rate. The method used in this research is quantitative descriptive. The data used are secondary time series for the period of January 2014-December 2017 which has been published by the website of Bank Indonesia and Otoritas Jasa Keuangan (OJK). The method of analysis used is multiple linear regression. The results of this study indicate that the profit sharing rate, financing to deposit ratio and inflation rate significantly influence the number of mudharaba deposit accumulation. Variable of profit sharing rate have a positive relation to mudharaba deposit. However, the variable of financing to deposit ratio and inflation rate have a negative relation to mudharaba deposit.Downloads
References
Ascarya. 2011. Akad dan Produk Bank Syariah. (Jakarta: PT Raja Grafindo Persada)
Andriyanti, Ani dan Wasilah, 2010. “Faktor-Faktor yang Mempengaruhi Dana Pihak Ketiga (Deposito Mudharabah 1 Bulan) pada Bank Muamalat Indonesia”, Simposium Nasional Akutansi XIII Purwokerto.
Cahyono, Ari. 2009. “Pengaruh Indikator Makroekonomi Terhadap Dana Pihak Ketiga dan Pembiayaan Bank Syariah Mandiri” (Tesis Magister Sains Universitas Indonesia, Jakarta)
Edwin, Mustafa. 2006. Pengenalan Ekslusif Ekonomi Islam.
an-Nabahan, Faruq M. 2000. Sistem Ekonomi Islam: Pilihan Setelah Kegagalan Sistem Kapitalis dan Sosialis, terj. Muhadi Zainuddin, (Yogyakarta: UII Press)
Haron, Sudin and Norafifah Ahmad. The Effects Of Conventional Interest Rates And Rate of Profit On Funds Deposited With Islamic Banking System In Malaysia. International Journal of Islamic Financial Services Vol. 1 No.4
Muhammad. 2002. Manajemen Bank Syariah.(Yogyakarta: UPP AMPYKPN)
__________. 2015. Manajemen Dana Bank Syariah.(Jakarta: Rajawali Press)
Natalia, Evi dkk. 2014.Pengaruh Tingkat Bagi Hasil Deposito Bank Syariah dan Suku Bunga Deposito Bank Umum Terhadap Jumlah Simpanan Deposito Mudharabah (Bank Syariah Mandiri Periode 2009-2010), Jurnal Administrasi Bisnis Vol.9 No.1.
Nopirin.2015. Ekonomi Moneter.(Yogyakarta: BPFE)
Rivai,Veithzal. 2010. Islamic Banking: Sebuah teori,konsep,dan aplikasi. (Jakarta: Bumi Aksara)
Siamat, Dahlan. 1993. Manajemen Bank Umum.(Jakarta: Intermedia)
Supranto, J. 2002. Statistik Teori dan Aplikasi. (Jakarta: Erlangga)
Suwiknyo, Dwi. 2010. Kompilasi Tafsir Ayat-Ayat Ekonomi Islam. (Yogyakarta: Pustaka Pelajar)
________. 2010. Analisis Laporan Keuangan Perbankan Syariah. (Yogyakarta: Pustaka Pelajar)
Syakur Novianto, Abdullah dan Djumilah Hadiwidjojo.2013. “Analisis Faktor Faktor yang Mempengaruhi Penghimpunan Deposito Mudharabah Perbankan Syariah di Indonesia”. Jurnal Aplikasi Manajemen Vol 11 No.4.
http://www.ojk.go.id,diakses tanggal 20 maret 2018
Downloads
Published
How to Cite
Issue
Section
License
Authors who publish with this journal agree to the following terms:- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.