The Effect Of Profit Sharing Rate, Financing To Deposit Ratio (FDR), And Inflation Rate On The Number Of Mudharabah Deposits In Islamic Commercial Banks (Bus)

Nikmaturrohmah Nikmaturrohmah, Eko Priyojadmiko

Abstract


This study aims to determine the effect of Profit Sharing Rates, Financing to Deposit Ratio (FDR), and Inflation Rates on Total Mudharabah Deposits at Islamic Commercial Banks (BUS) for the 2017-2022 period. Using quantitative research methods with research locations at Islamic Commercial Banks. Sampling using purposive sampling with a total of 60 samples. The data analysis technique used is multiple linear regression analysis with hypothesis testing by means of the t test (partial) and the F test (simultaneous). Tests in this study used SPSS 26. The results showed that the Profit Sharing Rate had a positive and significant effect on Total Mudharabah Deposits with a tcount of 3.338 > ttable value of 1.673, FDR had a negative and significant effect on Total Mudharabah Deposits with tcount -2.527 > ttable value of 1.673, and the inflation rate has no significant effect on total mudharabah deposits with a tcount of 1.528 <1.673. Simultaneously, the Profit Sharing Rate, FDR, and the Inflation Rate affect the Total Mudharabah Deposits with Fcount 219.241 > Ftable 2.77. Then, based on the Adjusted R Square result of 0.769, it shows that the ability of the independent variable to explain the dependent variable is 76.9%, the remaining 23.1% is explained by other variables not included in this study.

 


 


Keywords


FDR; Inflation; Mudharabah Deposits; Profit Sharing

Full Text:

PDF

References


Budiwanto, Setyo, (2017). Metode Statistika Untuk Mengolah Data Keolahragaan. Malang: UNM.

Febriani, Firda Izzati. (2019). Pengaruh Tingkat Bagi Hasil, FDR dan Tingkat Inflasi Terhadap Deposito Mudharabah Pada Bank Umum Syariah Periode 2014 -2017 : Jurnal Ekonomi Syariah. Vol. 4. No. 1. https://doi.org/10.22219/jes.v4i1.8752

Ghozali, Imam. (2021). Aplikasi Analisis Multivariate Dengan Progran IBM SPSS 26 Edisi 10. Semarang : Badan Penerbit Universitas Diponegoro.

Irwanto, Guruh, & Hendrawati. (11 Mei 2023) The Effect Of Profit Sharing Rate, Interest Rate, Inflation, And Dollar Exchange Rate To Deposito Mudharabah Empirical Study on Sharia Commercial Banks in Indonesia for the 2014-2018 period, diakses dari http://repository.stei.ac.id/2437/

Karim, Abd., & Hanafia, Fifi. (2021). Menjaga Konsep Ekonomi Syariah. Bogor : PT. Penerbit IPB Pers.

Lubis, AFF. (2020). Pengaruh Bagi Hasil Terhadap Jumlah Dana Deposito Mudharabah Pada Bank Syariah Periode 2017-2019, Jurnal Bisnis Ekonomi Halal. Vol. 1. No. 1 diakses dari https://ojs.polmed.ac.id/index.php/Bilal/ article/view/218/18

Machali, Imam. (2017). Metode Penelitian Kuantitatif : Panduan Praktis Merencanakan, Melaksanakan dan Analisis Dalam Penelitian Kuantitatif. Yogyakarta : Program MPI UIN Sunan Kalijaga.

Munandar, Aris. (2022). Faktor-Faktor Yang Mempengaruhi Financing To Deposit Ratio (FDR) Serta Implikasinya Terhadap ReturnOn Assets (ROA) Dan Net Operating Margin (NOM) Pada BUS Periode Januari 2014-September 2021. Jurnal Pemikiran dan Pengembangan Ekonomi Syariah. 7(2). Hal.109-120. https://doi.org/10.36908/esha.v7i2.367

OJK. (2021). Statistik Perbankan Syariah : Jaringan Kantor Individual Perbankan Syariah. OJK.

Suryadi, Nanda, dkk., (2022). The Effect Of Financing To Deposit Ratio (FDR), Profit Sharing Ratio (PSR) On Mudharabah Deposits At Islamic Commercial Banks In Indonesia During Covid-19, Proceedings of the 2nd International Conference on Business & Sciences (ICOBUSS), diakses dari https://ojsicobuss.stiesia.ac.id/index. php/icobuss1st/article/view/251

Yafie, Ali & Adlani, Nazri. (2022). Fatwa Dewan Syariah Nasional MUI. Diakses dari (03-Deposito (mui.or.id) pada 23 Juni 2022.

Otoritas Jasa Keuangan, Statistik Perbankan Syariah : Jaringan Kantor Individual Perbankan Syariah, diakses Desember 2021, hlm. 5.

Ali Yafie dan Nazri Adlani, Fatwa Dewan Syariah Nasional MUI, diakses 23 Juni 2022 dari https://mui.or.id/wp-content/uploads/files/fatwa/03-Deposito.pdf

Abdul Karim dan Fifi Hanafia, (2021) Menjaga Konsep Ekonomi Syariah, Bogor: IPB Press

Firda Izzati Febriani (2019), Pengaruh Tingkat Bagi Hasil, FDR dan Tingkat Inflasi Terhadap Deposito Mudharabah Pada Bank Umum Syariah Periode 2014-2017”, Jurnal Ekonomi Syariah, 4(1).

Anggi Adelia Firdaus Lubis,.dkk (2020), “Pengaruh Bagi Hasil Terhadap Jumlah Dana Deposito Mudharabah Pada Bank Syariah Periode 2017-2019”. Jurnal Bisnis Ekonomi Halal, 1(1).

Nanda Suryadi, dkk.,(2020). The Effect Of Financing To Deposit Ratio (FDR), Profit Sharing Ratio (PSR) On Mudharabah Deposits At Islamic Commercial Banks In Indonesia During Covid-19”, Proceedings of the 2nd International Conference on Business & Sciences (ICOBUSS), Digital Transformation Business Strategy in Post Covid-2019 with UIN SUSKA and STIE KBP, Surabaya..

Guruh Irwanto & Hendrawati, (2020), The Effect Of Profit Sharing Rate, Interest Rate, Inflation, And Dollar Exchange Rate To Deposito Mudharabah Empirical Study on Sharia Commercial Banks in Indonesia for the 2014-2018 period. Diakses 11 Mei 2023, dari http://repository.stei.ac.id/2437/




DOI: http://dx.doi.org/10.48181/jrbmt.v7i2.23199

Refbacks

  • There are currently no refbacks.


Copyright (c) 2023 Jurnal Riset Bisnis dan Manajemen Tirtayasa

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

........................................................................................................................

Jurnal Riset Bisnis dan Manajemen Tirtayasa (JRBMT)
ISSN (Online) : 2599-0837 
Accredited by DGHE Ministry of Education and Cultural Rep. of Indonesia: SINTA 5