PENGARUH TINGKAT BAGI HASIL DEPOSITO MUDHARABAH DAN FINANCING TO DEPOSIT RATIO TERHADAP PERKEMBANGAN DEPOSITO MUDHARABAH PADA BANK UMUM SYARIAH

• Main Author: Santi Roudotul A, - (Author)
• Format: Book
• Published: 2018-08-29.
• Subjects: Thesis; NonPeerReviewed
• Online Access: Link Metadata
• Notes: http://repository.upi.edu/46667/1/S_EKI_1403355_Title.pdf; http://repository.upi.edu/46667/2/S_EKI_1403355_Abstract.pdf; http://repository.upi.edu/46667/3/S_EKI_1403355_Table_of_Content.pdf; http://repository.upi.edu/46667/4/S_EKI_1403355_Chapter1.pdf; http://repository.upi.edu/46667/5/S_EKI_1403355_Chapter2.pdf; http://repository.upi.edu/46667/6/S_EKI_1403355_Chapter3.pdf; http://repository.upi.edu/46667/7/S_EKI_1403355_Chapter4.pdf; http://repository.upi.edu/46667/8/S_EKI_1403355_Chapter5.pdf; http://repository.upi.edu/46667/9/S_EKI_1403355_Bibliography.pdf; http://repository.upi.edu/46667/10/S_EKI_1403355_Appendix.pdf
• Keywords: HB Economic Theory; HC Economic History and Conditions

Perkembangan deposito di perbankan syariah masih rendah di bandingkan dengan perkembangan deposito di bank konvensional, selain itu pertumbuhan deposito mudharabah di Bank Umum Syariah (BUS) setiap tahunyaa berfluktuatif. Hal ini mengindikasikan adanya permasalahan yang dihadapi oleh bank syariah sehingga penghimpunan dana dari deposito tidak maksimal. Penelitian ini bertujuan untuk mengetahui dan menganalisis faktor-faktor yang mempengaruhi deposito mudharabah di Bank Umum Syariah (BUS). Populasi dalam penelitian ini sebanyak 13 Bank Umum Syariah (BUS). Sampel yang digunakan berjumlah delapan Bank Umum Syariah (BUS) periode kuartal I 2014 - kuartal IV 2016 dengan menggunakan teknik pemilihan sampel purposive sampling. Metode yang digunakan dalam penelitian ini adalah metode deskriptif - eksplanatori. Adapun teknik pengumpulan data yang dilakukan melalui library research dan internet research. Data yang terkumpul selanjutnya dianalisis dengan menggunakan analisis regresi data panel (regression pooling) dengan menggunakan Fixed Effect Model (FEM). Hasil penelitian menunjukan bahwa tingkat bagi hasil deposito mudharabah dan Financing to Deposit Ratio (FDR) berpengaruh signifikan secara bersama-sama terhadap deposito mudharabah. Secara parsial menunjukan hasil bahwa tingkat bagi hasil deposito mudharabah berpengaruh dan signifikan terhadap deposito mudharabah dengan arah yang positif dan Financing to Deposit Ratio (FDR) berpengaruh dan signifikan terhadap deposito mudharabah dengan arah yang negatif. Temuan ini memberikan implikasi bahwa, jika tingkat bagi hasil deposito mudharabah terus mengalami peningkatan maka deposito mudharabah akan mengalami peningkatan. Selanjutnya jika Financing to Deposit Ratio (FDR) terus mengalami peningkatan maka deposito mudharabah akan mengalami penurunan, karena jika angka Financing to Deposit Ratio FDR terlalu tinggi dan melebihi batas yang ditentukan akan menyebabkan likuiditas bank kurang baik. ;---The development of deposits in Islamic banking is still low compared to the development of deposits in conventional banks. Besides that, the growth of mudaraba deposits in Islamic Commercial Banks (BUS) every year fluctuates. This indicates the existence of problems faced by Islamic banks so that the collection of funds from deposits is not optimal. This study aims to determine and analyze the factors that influence mudaraba deposits in Islamic Commercial Banks (BUS). The population in this study were 13 Islamic Commercial Banks (BUS). The sample used was eight Sharia Commercial Banks (BUS) for the first quarter of 2014 - the fourth quarter of 2016 using purposive sampling technique. The method used in this research is descriptive method - explanatory. The data collection techniques are carried out through library research and internet research. The collected data was then analyzed using panel data regression analysis (regression pooling) using Fixed Effect Model (FEM). The results showed that the profit sharing rate of mudharabah deposits and Financing to Deposit Ratio (FDR) had a significant effect jointly on mudharabah deposits. Partially, the results show that the profit sharing rate of mudharabah deposits has a significant and significant impact on mudharabah deposits in a positive direction and Financing to Deposit Ratio (FDR) has a significant and significant influence on mudharabah deposits in a negative direction. This finding implies that, if the profit sharing rate of mudharabah deposits continues to increase, mudaraba deposits will increase. Furthermore, if the Financing to Deposit Ratio (FDR) continues to increase, mudaraba deposits will experience a decline, because if the figure of Fancing to Deposit Ratio is too high and exceeds the specified limit, it will cause bank liquidity to be bad.