RATAMA, IQBAL RESMO (2020) PENGARUH INFLANSI, BAGI HASIL DEPOSITO, DAN SUKU BUNGA TERHADAP DEPOSITO MUDHARABAH. S1 thesis, UNIVERSITAS SULTAN AGENG TIRTAYASA.
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Abstract
Tujuan penelitian ini adalah untuk menganalisis pengaruh inflasi, jumlah bagi hasil deposito, dan tingkat suku bunga terhadap jumlah deposito mudharabah pada Bank Umum Syariah. Data yang digunakan pada penelitian ini adalah data bulanan dari Januari 2013 sampai Desember 2017 yang diambil dari Badan Pusat Statistik Indonesia dan Otoritas Jasa Keuangan. Penelitian ini menggunakan metode analisis regresi linier berganda dengan menggunakan program komputer SPSS. Hasil penelitian menunjukkan bahwa secara bersama-sama (simultan) variabel independen (inflasi, tingkat jumlah bagi hasil deposito dan tingkat suku bunga deposito) signifikan berpengaruh terhadap jumlah deposito mudharabah. Nilai sig. < α (0,000 < 0,05) dan Fhitung > Ftabel (11,814 > 2,87). Secara individu (parsial) variabel inflasi mempunyai pengaruh yang positif terhadap jumlah deposito mudharabah yang ditunjukkan dengan nilai sig. < α (0,002 < 0,05) dan t hitung > t tabel (7,332 > 2,021). Variabel jumlah bagi hasil deposito mempunyai pengaruh yang positif terhadap jumlah deposito mudharabah, yang ditunjukkan dengan nilai sig. < α (0,000 < 0,05 dan t hitung > t tabel (5,704 > 2,021) ini disebabkan karena kualitas perusahaan yang baik dan mencerminkan tingkat keuntungan yang tinggi. Bank telah memanfaatkan asetnya dengan baik sehingga menghasilkan laba. Karena bagi deposan ketika suatu perusahaan baik apabila kinerja perushaan positif sehingga dapat memberikan timbal balik kepada deposan. Sedangkan variabel tingkat suku bunga deposito mempunyai pengaruh yang positif terhadap jumlah deposito mudharabah, yang ditunjukkan dengan nilai sig. < α (0,000 < 0,05) dan t hitung > t tabel (6,191 > 2,021) hal ini disebabkan sifat nasabah untuk mendepositkan dananya di bank syariah adalah karena keuntungan semata.
Item Type: | Thesis (S1) | |||||||||
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Additional Information: | The purpose of this study was to analyze the effect of inflation, the amount of profit sharing on deposits, and interest rates on the amount of mudharabah deposits in Islamic Commercial Banks. The data used in this study are monthly data from January 2013 to December 2017 which were taken from Indonesian Central Bureau of Statistics and Financial Fervices Authority. This study uses multiple linear regression analysis using the SPSS computer program. The results showed that together (simultaneously) the independent variables (inflation, the rate of profit sharing on deposits and interest rates on deposits) had a significant effect on the amount of mudharabah deposits. Sig value. < α (0.000 < 0.05) and Fcount > Ftable (11.814 > 2.87). Individually (partially) the inflation variable has a positive effect on the amount of mudharabah savings indicated by the sig value. <α (0.002 <0.05) and t count> t table (7.332> 2.021). The variable for the results of deposits has a positive effect on the amount of mudharabah deposits indicated by the sig value. <α (0.000 <0.05 and t count> t table (5.704> 2.021) is caused by good company quality and reflects a high level of profit. The bank has made good use of its assets to generate profits. Because for depositors, if a company is good, then the company's performance is positive so that it can provide feedback to depositors. Meanwhile, the deposit interest rate variable has a positive effect on the amount of mudharabah savings as indicated by the sig value. <α (0.000 <0.05) and t count> t table (6.191> 2.021) this is due to the nature of customers who save their funds in Islamic banks because of profit alone. Keywords: Inflation, Interest Rates, Mudharabah Deposits. | |||||||||
Uncontrolled Keywords: | Kata kunci: Inflasi, Suku Bunga, Deposito Mudharabah. | |||||||||
Subjects: | H Social Sciences > HB Economic Theory | |||||||||
Divisions: | 05-Fakultas Ekonomi dan Bisnis > Program Sarjana Ekonomi Syariah | |||||||||
Depositing User: | Perpustakaan Pusat | |||||||||
Date Deposited: | 22 Jul 2022 09:27 | |||||||||
Last Modified: | 22 Jul 2022 09:27 | |||||||||
URI: | http://eprints.untirta.ac.id/id/eprint/14676 |
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