PENGARUH BAGI HASIL BANK UMUM SYARIAH DAN SUKU BUNGA SIMPANAN BERJANGKA BANK UMUM KONVENSIONAL TERHADAP SIMPANAN MUDHARABAH : Studi Kasus pada Bank Umum Syariah Indonesia

• Main Author: Mira Tri Lestari, - (Author)
• Format: Book
• Published: 2019-08-27.
• Subjects: Thesis; NonPeerReviewed
• Online Access: Link Metadata
• Notes: http://repository.upi.edu/40999/1/S_EKI_1500970_Title.pdf; http://repository.upi.edu/40999/2/S_EKI_1500970_Chapter1.pdf; http://repository.upi.edu/40999/3/S_EKI_1500970_Chapter2.pdf; http://repository.upi.edu/40999/4/S_EKI_1500970_Chapter3.pdf; http://repository.upi.edu/40999/5/S_EKI_1500970_Chapter4.pdf; http://repository.upi.edu/40999/6/S_EKI_1500970_Chapter5.pdf; http://repository.upi.edu/40999/7/S_EKI_1500970_Appendix.pdf
• Keywords: HG Finance

Pertumbuhan simpanan mudharabah pada Bank Umum Syariah (BUS) berfluktuatif dari Tahun 2014 sampai dengan Tahun 2017. Hal ini mengindikasikan adanya permasalahan yang dihadapi oleh Bank Umum Syariah sehingga penghimpunan dana dari simpanan mudharabah yakni deposito mudharabah dan tabungan mudharabah tidak maksimal. Penelitian ini bertujuan untuk mengetahui dan menganalisis faktor-faktor yang mempengaruhi simpanan mudharabah pada Bank Umum Syariah periode Oktober 2014-Desember 2017. Populasi dalam penelitian ini menggunakan sampel jenuh yaitu menggunakan seluruh populasi sebagai objek penelitian yang meliputi seluruh Bank Umum Syariah yang terdaftar di OJK dengan jumlah 13 Bank Umum Syariah. Teknik pengumpulan data yang dilakukan adalah melalui library research dan internet research. Metode yang digunakan dalam penelitian ini adalah deskriptif-eksplanatori dengan alat regresi linear multiple dan menggunakan metode Ordinary Least Square (OLS). Hasil penelitian menunjukan bahwa variabel independen yaitu bagi hasil deposito mudharabah, bagi hasil tabungan mudharabah dan suku bunga simpanan berjangka Bank Umum Konvensional secara simultan berpengaruh terhadap simpanan mudharabah sebagai variabel dependen. Secara parsial menunjukan hasil bahwa bagi hasil deposito mudharabah berpengaruh terhadap simpanan mudharabah dengan arah positif, bagi hasil tabungan mudharabah berpengaruh terhadap simpanan mudharabah dengan arah negatif dan suku bunga simpanan berjangka berpengaruh terhadap simpanan mudharabah dengan arah negatif.;--The growth of mudharabah deposits in Islamic Commercial Bank also known as Bank Umum Syariah (BUS) fluctuated from 2014 until 2017. This case indicates that there are problems faced by Islamic Commercial Banks so the pooling of funds from mudharabah deposits which are deposits and mudharabah savings is not optimal. This study aims to determine and analyze the factors that influence mudharabah savings in Islamic Commercial Banks in the period of October 2014-December 2017. The population in this study uses a saturation sample, which means using the entire population as research objects, namely all Sharia Commercial Banks that registered in OJK which contain 13 Sharia Commercial Banks. Data collection techniques were through library research and internet research. The method used in this research is descriptive-explanatory with multiple linear regression tools and using the Ordinary Least Square (OLS) method. The results showed that the independent variable are profit sharing deposits, profit sharing mudharabah savings and time deposits interest rates for conventional Commercial Bank simultaneously have a significant effect on mudharabah savings as the dependent variable. Partially, the result shows that profit sharing deposit has a significant effect on mudharabah savings in a positive direction, profit sharing mudharabah savings has a significant effect on mudharabah deposits in a negative direction and time deposits interest rates has a significant effect on mudharabah deposits in a negative direction.