PENGARUH TINGKAT SUKU BUNGA, BAGI HASIL, DAN PRODUK DOMESTIK BRUTO TERHADAP DEPOSITO MUDHARABAH PADA BANK UMUM SYARIAH DI INDONESIA

Sela, Stalia (2022) PENGARUH TINGKAT SUKU BUNGA, BAGI HASIL, DAN PRODUK DOMESTIK BRUTO TERHADAP DEPOSITO MUDHARABAH PADA BANK UMUM SYARIAH DI INDONESIA. Skripsi thesis, Sekolah Tinggi Ilmu Ekonomi Indonesia.

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Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh tingkat suku bunga, bagi hasil, dan produk domestik bruto terhadap deposito mudharabah pada Bank Umum Syariah. Penelitian ini menggunakan jenis penelitian kuantitatif, yang diukur dengan menggunakan metoda berbasis regresi data panel dengan Eviews versi 10.0. Populasi dari penelitian ini adalah BUS yang terdaftar di Otoritas Jasa Keuangan (OJK) tahun 2016-2020. Sampel ditentukan berdasarkan metode purposive sampling, dengan jumlah sampel sebanyak 9 bank umum syariah sehingga total observasi dalam penelitian ini sebanyak 180 observasi. Data yang digunakan dalam penelitian ini berupa data sekunder yaitu berupa laporan keuangan triwulan. Teknik pengumpulan data menggunakan metode dokumentasi melalui situs resmi www.ojk.go.id www.bps.go.id dan menggunakan website masing-masing bank. Pengujian hipotesis dengan menggunakan uji t dan f. Hasil dari penelitian ini membuktikan bahwa (1) Tingkat Suku Bunga berpengaruh negatif terhadap Deposito Mudharabah karena ketika suku bunga naik maka akan menyebabkan peningkatan resiko displacement fund. (2) Tingkat Bagi Hasil berpengaruh positif terhadap Deposito Mudharabah. Hal ini dapat di pengaruhi oleh motif nasabah yang mencari profit (3) Produk Domestik Bruto berpengaruh positif terhadap Deposito Mudharabah. Hal ini diidentifikasi bahwa PDB sebagai indikator pendapatan masyarakat mempengaruhi jumlah deposito mudharabah. This study aims to determine the effect of interest rates, profit sharing, and gross domestic product on mudharabah deposits at Islamic Commercial Banks. This research uses quantitative research, which is measured by using panel data regression-based method with Eviews version 10.0. The population of this study is BUS registered with the Financial Services Authority (OJK) from 2016-2020. The sample was determined based on the purposive sampling method, with a total sample of 9 Islamic commercial banks so that the total observations in this study were 180 observations. The data used in this study is secondary data in the form of quarterly financial reports. Data collection techniques use the documentation method through the official website www.ojk.go.id www.bps.go.id and use the websites of each bank. Hypothesis testing using t and f tests. The results of this study prove that (1) Interest Rates have a negative effect on Mudharabah Deposits because when interest rates rise, it will cause an increase in the risk of displacement Fund. (2) Profit Sharing Rate has a positive effect on Mudharabah Deposits. This can be influenced by the motives of customers seeking profit (3) Gross Domestic Product has a positive effect on Mudharabah Deposits. It is identified that GDP as an indicator of people's income affects the amount of mudharabah deposits.

Item Type: Thesis (Skripsi)
Contributors:
ContributionContributorsNIDNEmail
Thesis advisorSunarsih, uunNIDN0313057501uun_sunarsih@stei.ac.id
Uncontrolled Keywords: Tingkat Suku Bunga, Tingkat Bagi Hasil, Produk Domestik Bruto, dan Deposito Mudharabah
Subjects: Akuntansi > Akuntansi Syariah
Depositing User: Mrs Sela Stalia
Date Deposited: 03 Jan 2022 09:10
Last Modified: 03 Jan 2022 09:10
URI: http://repository.stei.ac.id/id/eprint/6564

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