Determinan Of Muḍārabah Deposits At Sharia Commercial Banks In Indonesia

Nofinawati; Adanan Murroh Nasution; Reski Amanah

doi:10.52490/at-tijarah.v7i1.6450

Authors

Nofinawati UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan
Adanan Murroh Nasution UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan
Reski Amanah UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

DOI:

https://doi.org/10.52490/at-tijarah.v7i1.6450

Keywords:

Profit Sharing, Bi Rate , Muḍārabah Deposits

Abstract

As a financial institution, Islamic banking has a function as a collector of funds from the community. A fund-raising product in the form of deposits. Muḍārabah deposits are public investments whose withdrawals can only be made within a certain period of time according to the agreement. The largest fundraiser from deposits is deposit products compared to other products. The background of the problem in this study is based on the data obtained that the number of Muḍārabah deposits fluctuated in 2018-2023 as well as the Profit Sharing and Bi Rate which fluctuated in the Profit Sharing and Bi Rate.The purpose of this study is to determine the Effect of Profit Sharing and Bi Rate on Muḍārabah Deposits in Sharia Commercial Banks in Indonesia partially and simultaneously. The type of research is quantitative research with the data source used in the form of secondary data from the OJK's annual financial statements within the last 5 years. The data analysis method used is panel data with an analysis tool, namely panel data regression using the eviews 12 software application and Microsoft Excel. Using purpossive sampling techniques with a sample of 8 banks, the population in this study amounted to 13 Sharia Commercial Banks. The results of the study show that partially (t-test) the Profit Sharing variable has a significant effect on Muḍārabah Deposits. The Bi Rate variable does not have a significant effect on Muḍārabah Deposits. Meanwhile, simultaneously, the independent variables of Profit Sharing and Bi Rate have an effect on Muḍārabah Deposits in Sharia Commercial Banks in Indonesia.

References

Aang Curatman. (2020). Program Loyalitas Pelanggan. DEEPUBLISH

Aisyah Pratiwi, Muhammad Isa, Ali Hardana, Sulaiman. (2022). Effect Of Service Quality And Employee Performance On Customer Satisfaction at PT. Pawnshop Pinang City Sharia Service Unit. Journal Of Sharia Banking, 2(2). doi: https://doi.org/10.24952/jsb.v2i2.4944

Alimudin, A. (2019). Bentuk Akad Akad Bernama Di Lembaga Keuangan Syariah. AMAL: Journal of Islamic Economic And Business (JIEB ), 02(01), 39–51. doi : https://doi.org/10.33477/eksy.v2i02.1716

Ali Geno Berutu. (2020). Pasar Modal Syariah Indonesia Konsep dan Produk. LPPM IAIN Salatiga.

Andri Soemitra. (2009). Bank dan Lembaga Keuangan Syariah. Kencana.

Antonius Prahendratno, Silvia Rahayu, Ika Wulandari. (2023). Bank dan Lembaga Keuangan Indonesia. Sonpedia Publishing.

Arwin. (2022). Manajemen Kesehatan Bank. Cendekia Publisher.

Dahlan Siamat. (2015). Manajemen Lembaga Keuangan, Kebijakan Moneter, Dan Perbankan. Lembaga Penerbit FE UI.

Devid Frastiawan Amir Sup. (2022). Pengantara Perbankan Syariah di Indonesia. UNIDA Press.

Dikson Silitonga. (2022). Kinerja Keuangan dan Pofitabilitas Bank. Zahira Media Publisher.

Dwi Suwiknyo. (2014). Analisis Laporan Keuangan Perbankan Syariah. Pustaka Pelajar.

Eva Suandari. (2021). Dinamika Citra dan Pelayanan Bank Terhadap Loyalitas Nasabah Dalam Tinjauan Islam (Studi Kasus Perbankan Syariah di Kota Pekanbaru). Indramayu Jawa Barat : CV. Adanu Abimata.

Ferri Alfadri. (2022). Akad Akad Bank Syariah. Fakultas Ekonomi Dan Bisnis Islam – IAIN Lhokseumawe.

Ferri Alfadri, Muhammad Arif, Ticha, Taufik. (2022). The Analysis of The Effect Of FDR, NPF, and DPK on Profit-Sharing-Based Mudharabah Financing in Banks Sharia Indonesia Period 2012-2018. Journal Of Sharia Banking, 1(2). doi: https://doi.org/10.24952/jsb.v1i2.6452

Hadi Ismanto. (2009). Perbankan dan Literasi Keuangan. Deepublish.

Indah Pratiwi, Azwar Hamid, Very Pramudia. (2022). Effect Of Mudarabah Savings Profit Sharing And Mudarabah Deposits On Net Profit In Pt. Bank Syariah Mandiri Tbk In 2011-2018. Journal Of Sharia Banking, 1(2). doi: https://doi.org/10.24952/jsb.v1i2.6433

Karim. Adiwarman A. (2006). Bank Islam : Analisis Fiqih dan Keuangan. PT. Raja Grafindo Persada.

Kuncoro Mudrajat. (2019). Metode Penelitian Untuk Bisnis dan Ekonomi. Erlangga.

Mardianti, A., & Riduwan, A. (2016). Pengaruh Bagi Hasil dan Suku Bunga Bank Konvensional pada Jumlah Deposito Mudharabah. Jurnal Ilmu Dan Riset Akuntansi, 5(7), 1–16.

Muhammad Wandisyah R. Hutagalung. (2021). Analisis Pembiayaan Bank Syariah. Merdeka Kreasi.

Muliawati, N. L., & Maryati, T. (2015). Analaisis Pengaruh Inflasi, Kurs, Suku Bunga dan Bagi Hasil Terhadap Deposito Pada PT. Bank Syariah Mandiri 2007-2012. Seminar Nasional Cendekiawan, 7, 735–745.

Risnaini R, A. (2023). Pengaruh Tingkat Bagi Hasil dan BI Rate terhadap Deposito Mudharabah Pada BPRS Al-Washliyah Medan. … : Jurnal Ekonomi Dan Perbankan Syariah …, 8(30), 4, 2023 (1221-1233). https://journal.um-surabaya.ac.id/Mas/article/download/21301/7221

Rusdiani, M. F. (2020). Pengaruh Bagi Hasil Deposito Mudharabah, Inflasi, Dan BI Rate Terhadap Jumlah Deposito Mudharabah. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 5(2). https://doi.org/10.30651/JMS.V5I2.5415

Sholikha, A. F. (2018). Pengaruh Tingkat Suku Bunga, Tingkat Bagi Hasil, Likuiditas, Inflasi, Ukuran Bank, dan Pertumbuhan Produk Domestik Bruto terhadap Deposito Mudharabah Bank Umum Syariah di Indonesia. El-Jizya : Jurnal Ekonomi Islam, 6(1), 1–22. https://doi.org/10.24090/ej.v6i1.2045

Sutan Remy Sjahdeini. (2015). Perbankan Syariah. Prenadamedia Group.

Tukma, Darwis Harahap, Ihdi Aini, Ida Royani. (2021). Analysis Of Public Interest In Banking Products. Journal Of Sharia Banking, 2(2). doi: https://doi.org/10.24952/jsb.v2i2.5042

Wahyu Fauziah, N., & Segaf. (2022). Seberapa Pengaruh Penetapan Nisbah Bagi Hasil, Inflasi, Dan Jumlah Uang Beredar Terhadap Deposito Mudharabah Di Indonesia. Jurnal Tabarru’: Islamic Banking and Finance, 5(2), 435–447. https://doi.org/10.25299/jtb.2022.vol5(2).9681

Wiroso. (2009). Produk Perbankan Syariah. Sardo Sarana Media.