Faktor-Faktor yang Mempengaruhi Perubahan Deposito Mudharabah (Studi Empiris Pada Bank Umum Syariah di Indonesia)

Dinna Miftakhul Jannah, Tettet Fitrijanti, Zaldy Adrianto

Abstract


This study aims to examine the factors influencing the changes of mudharabah deposit in Islamic banks in Indonesian during the period of 2014-2018. The dependent variable used in this research is mudharabah deposit in the Islamic bank. The independent variable in this research is financing to deposit ratio (FDR), nonperforming financing (NPF), bank size, interest rate, and rate of return is moderating variable. The sample used in this study is all Islamic Commercial Banks in Indonesia in 2014-2018. The data analysis method used in this study is panel data regression analysis and moderated regression analysis. The results showed that simultaneously financing to deposit ratio, nonperforming financing, bank size, interest rate, and rate of return is moderating variable influenced mudharabah deposit. The results showed that partially financing to deposit ratio and bank size have a significant positive effect on mudharabah deposits. Nonperforming financing variable and interest rates have no significant effect on mudharabah deposits. The rate of return variable as a moderating variable has no significant effect relationship between the interest rate and mudharabah deposits.


Full Text:

PDF

References


Ahmad Faizol Ismail. (2011). Perbandingan antara Hisbah dan Majlis Penasihat Syariah Sistem Perbankan Islam. Jurnal Muamalat.

Al-Arif, M. (2011). Mohammad Nur Rianto Al Arif Abstract. Economic Journal of Emerging Markets, 3(3), 235–244.

Andriyanti, A. W. (2010). Faktor-Faktor yang Mempengaruhi Jumlah Penghimpunan Dana Pihak Ketiga (Deposito Mudharabah 1 Bulan) Bank Muamalat Indonesia. Simposium Nasional Akuntansi XIII.

Arshad, N. C., & Nurfadilah, D. (2017). The Factors Influencing the Changes of Deposit in Islamic Bank : Comparative Study between Malaysia And Indonesia. Journal of Islamic Banking and Finance, 5(2), 37–46. https://doi.org/10.15640/jibf.v5n2a6

Ascarya. (2013). Akad dan Produk Bank Syariah. Rajawali Pers.

Ascarya, & Yumanita, D. (2005). Bank Syariah: Gambaran Umum. Pusat Pendidikan dan Studi Kebanksentralan (PPSK). https://doi.org/10.1016/j.chom.2009.12.002

Baehaqie, S., Fahmi, I., & Beik, I. S. (2017). DETERMINING FACTORS OF DEPOSIT LEVEL OF. Journal of Islamic Economics, 9(July), 213–226. https://doi.org/10.15408/aiq.v9i2.5156

Birton, M. N. A., Triyuwono, I., Mulawarman, A. D., & Rahman, A. F. (2015). Theory of Shariahization on Conceptual Accounting Framework: A Substantive Theory. Procedia - Social and Behavioral Sciences. https://doi.org/10.1016/j.sbspro.2015.11.093

Diyanto, Volta; Savitri, E. (2015). Faktor-Faktor yang Mempengaruhi Pertumbuhan Deposito Mudharabah Bank Syariah. Pekbis, 7(3), 187–199.

Hasnawati, S., & Sawir, A. (2015). KEPUTUSAN KEUANGAN, UKURAN PERUSAHAAN, STRUKTUR KEPEMILIKAN DAN NILAI PERUSAHAAN PUBLIK DI INDONESIA. Jurnal Manajemen Dan Kewirausahaan (Journal of Management and Entrepreneurship). https://doi.org/10.9744/jmk.17.1.65-75

Hilman, I. (2016). The Factors Affecting Mudharabah Deposits of Sharia Banking in Indonesia. International Journal of Business and Management Invention, 5(9), 56–66.

Ichwan, M. C., & H.R, M. N. (2016). FAKTOR-FAKTOR YANG BERPENGARUH TERHADAP LIKUIDITAS BANK SYARIAH. Jurnal Ekonomi Syariah Teori Dan Terapan.

Juniarty, N., Mifrahi, M. N., & Tohirin, A. (2017). Jurnal Ekononomi & Keuangan Islam. Jurnal Ekonomi Dan Keuangan Islam, 3(1), 36–42. https://doi.org/10.20885/JEKI.vol3.iss1.art5

Kasmir. (2014). Laporan Keuangan Bank. In Manajemen Perbankan.

Laksmono R, D., Suhaedi, S., Kusmiarso, B., I, A., Pramono, B., Hutapea, E. G., & Pambudi, S. (2003). SUKU BUNGA SEBAGAI SALAH SATU INDIKATOR EKSPEKTASI INFLASI. Buletin Ekonomi Moneter Dan Perbankan. https://doi.org/10.21098/bemp.v2i4.283

Meutia, I. (2017). Empirical Research on Rate of Return , Interest Rate and Mudharabah Deposit International Journal of Accounting Research. International Journal of Accounting Research, (August). https://doi.org/10.4172/2472-114X.1000141

Pimada, L. M., Mawardi, I., & Herianingrum, S. (2017). Determinants of islamic bank deposit in indonesia. Academic Research International, 8(2)(June).

Rachman, Rizki; Yulianto, Agung; Utaminingsih, N. (2013). PENGARUH BAGI HASIL, BUNGA, UKURAN BANK DAN JUMLAH CABANG TERHADAP SIMPANAN MUDHARABAH. Accounting Analysis Journal, 2(4), 413–422.

Rahmawaty, R. (2016). PENGARUH TINGKAT BAGI HASIL DEPOSITO MUDHARABAH , FINANCING TO DEPOSIT RATIO , DAN SUKU BUNGA DEPOSITO TERHADAP PERTUMBUHAN. Jurnal Ilmiah Mahasiswa Ekonomi Akuntansi, 1(2).

Sa’diyah, M., & Arifin, M. A. (2013). MUDHARABAH DALAM FIQIH DAN PERBANKAN SYARI’AH. Equilibrium : Jurnal Ekonomi Syariah.

Sholikha, A. (2018). Jurnal Ekonomi Islam | Islamic Economics Journal Vol. 6 No. 1 Januari-Juni 2018. Islamic Economics Journal, 6(1), 1–22.

Suryani, S. (2011). ANALISIS PENGARUH FINANCING TO DEPOSIT RATIO (FDR) TERHADAP PROFITABILITAS PERBANKAN SYARIAH DI INDONESIA. Walisongo: Jurnal Penelitian Sosial Keagamaan. https://doi.org/10.21580/ws.19.1.212

Triyuwono, I. (2001). METAFORA ZAKAT DAN SHARI’AH ENTERPRISE THEORY SEBAGAI KONSEP DASAR DALAM MEMBENTUK AKUNTANSI SYARI’AH. Jurnal Akuntansi Dan Auditing Indonesia.

UU No.21. (2008). UU Nomor 21 Tahun 2008 Tentang Perbankan Syariah. Undang Undang Republik Indonesia. https://doi.org/10.1017/CBO9781107415324.004

Wiroso. (2011). Produk Perbankan Syariah Tertinggal. LPFE Usakti.

Wulan, Elis; Utami, S. (2012). Influence Level of Indonesian Bank Interest Rate and Profit Sharing to Growth of Time Deposit Mudharabah at Islamic Banking in Indonesia. International Conference on Islam in Malaysia World II.

Yuksel, Serhat; Canoz, Ismail; Ozsari, M. (2017). CAUSALITY RELATIONSHIP BETWEEN INTEREST RATE OF DEPOSIT BANKS AND PROFIT SHARE RATE OF ISLAMIC BANKS IN TURKEY The popularity of Islamic banking increased in the world especially in last relationship between interest rate of deposit banks and profit share. Journal of Islamic Economics and Business, 2(2), 131–148. https://doi.org/10.24042/febi.v2i1.943

Yulianto, A. (2016). The Internal Factors of Indonesian Sharia Banking to Predict The Mudharabah Deposits. Review of Integrative Business and Economics Research, 5(1), 210–218.

Yusoff, R. (2016). An Econometric Analysis of Conventional and Islamic Bank Deposits in Malaysia. Review of Islamic Economics, (June).




DOI: http://dx.doi.org/10.21043/aktsar.v3i1.6833

Refbacks

  • There are currently no refbacks.


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