Hanifah Azmi, Fatikhah (2021) PENGARUH INFLASI, SUKU BUNGADAN BAGI HASIL TERHADAP SIMPANAN DEPOSITO MUDHARABAH PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2015-2019. Skripsi thesis, Sekolah Tinggi Ilmu Ekonomi Indonesia.
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Abstract
Penelitian ini bertujuan untuk mengetahui dan menganalisis Pengaruh Inflasi, Suku Bunga dan Bagi Hasil terhadap Simpanan Deposito Mudharabah pada Bank Umum Syariah di Indonesia periode 2015-2019. Penelitian ini menggunakan strategi penelitian asosiatif dengan tipe kausalitas pendekatan kuantitatif yang diukur menggunakan metode berbasis regresi data panel dengan menggunakan Eviews 10. Populasi dari penelitian ini adalah semua Bank Umum Syariah yang terdaftar di Otoritas Jasa Keuangan (OJK) tahun 2015-2019. Sampel yang diperoleh dengan menggunakan metode purposive sampling dengan jumlah sampel sebanyak 12 Bank Umum Syariah sehingga total observasi penelitian ini sebanyak 60 observasi. Data yang digunakan dalam penelitian ini adalah data sekunder berupa laporan keuangan tahunan yang diunduh melalui website masing-masing bank umum syariah dan website Bank Indonesia pada statistik inflasi dan suku bunga dengan menggunakan metode analisis data yaitu uji regresi berganda dan uji hipotesis. Berdasarkan hasil analisis dan pengujian regresi data panel maka hasil penelitian ini menyimpulkan bahwa Inflasi dan Suku Bunga tidak berpengaruh signifikan terhadap Simpanan Deposito Mudharabah karena tinggi atau rendahnya tingkat inflasi dan tingkat suku bunga tidak mempengaruhi nilai dari Simpanan Deposito Mudharabah. Bagi Hasil berpengaruh positif signifikan terhadap Simpanan Deposito Mudharabah karena Tingkat bagi hasil pada dasarnya berperan sebagai pendorong utama agar masyarakat bersedia mendepositokan uangnya. Jumlah deposito akan ditentukan oleh tingginya bagi hasil. This study aims to determine and analyze the Effect of Inflation, Interest Rates and Profit Sharing on Mudharabah Deposits at Islamic Commercial Banks in Indonesia for the 2015-2019 period. This study uses an associative research strategy with a causal type of quantitative approach which is measured using a panel data regression-based method using Eviews 10. The population of this study is all Islamic Commercial Banks registered with the Financial Services Authority (OJK) in 2015-2019. The sample obtained by using purposive sampling method with a total sample of 12 Islamic Commercial Banks so that the total observations of this study were 60 observations. The data used in this study is secondary data in the form of annual financial reports downloaded through the websites of each Islamic commercial bank and the website of Bank Indonesia on inflation and interest rate statistics using data analysis methods, namely multiple regression tests and hypothesis testing. Based on the results of panel data analysis and regression testing, the results of this study conclude that Inflation and Interest Rates have no significant effect on Mudharabah Time Deposits because high or low levels of inflation and interest rates do not affect the value of Mudharabah Time Deposits. Profit Sharing has a significant positive effect on Mudharabah Time Deposits because the profit sharing rate basically acts as the main driver so that people are willing to deposit their money. The amount of deposits will be determined by the high profit sharing.
| Item Type: | Thesis (Skripsi) | ||||||||
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| Uncontrolled Keywords: | Inflasi, Suku bunga, Bagi Hasil, Simpanan Deposito Mudharabah | ||||||||
| Subjects: | Akuntansi > Akuntansi Manajemen Akuntansi > Akuntansi Syariah |
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| Divisions: | S1 Akuntansi | ||||||||
| Depositing User: | Mrs Hanifah Azmi Fatikhah | ||||||||
| Date Deposited: | 24 Dec 2021 05:48 | ||||||||
| Last Modified: | 24 Dec 2021 05:48 | ||||||||
| URI: | http://repository.stei.ac.id/id/eprint/6409 |
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