Risma Nurriani
Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

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Factors Influencing the Amount of Mudarabah Savings Deposit in Public Sharia Banks Bambang Iswanto; Risma Nurriani; Idhafiyyah Anwar; Ahmad Tibrizi Soni Wicaksono; Muhammad Nur Faaiz Fathah Achsani
International Journal of Islamic Business and Economics (IJIBEC) Vol. 6 No. 2 (2022): IJIBEC VOL. 6 NO. 2 DECEMBER 2022
Publisher : Faculty of Islamic Economics and Business of UIN K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v6i2.6288

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh tingkat suku bunga bank umum, nilai tukar rupiah, bagi hasil deposito Bank Umum Syariah dan jumlah Kantor Cabang Pembantu (KCP) terhadap jumlah simpanan deposito mudharabah pada Bank Umum Syariah di Indonesia. Pendekatan dalam penelitian ini adalah kuantitatif asosiatif yang menggunakan metode Analisis Regresi Linier Berganda dengan pengujian sampel yang digunakan berasal dari 12 bank yang berada di Indonesia berdasarkan laporan bulanan Bank Umum Syariah mencakup tahun 2017 hingga 2021. Hasil penelitian menunjukkan bahwa, tingkat suku bunga bank umum tidak berpengaruh secara parsial terhadap jumlah simpanan deposito mudharabah bank umum syariah, nilai tukar rupiah, bagi hasil deposito dan jumlah Kantor Cabang Pembantu (KCP) berpengaruh secara parsial terhadap jumlah simpanan deposito mudharabah Bank Umum Syariah, tingkat suku bunga bank umum, nilai tukar rupiah, bagi hasil deposito Bank Umum Syariah dan jumlah Kantor Cabang Pembantu (KCP) berpengaruh secara simultan terhadap jumlah simpanan deposito mudharabah pada Bank Umum Syariah.
Factors Influencing the Amount of Mudarabah Savings Deposit in Public Sharia Banks Bambang Iswanto; Risma Nurriani; Idhafiyyah Anwar; Ahmad Tibrizi Soni Wicaksono; Muhammad Nur Faaiz Fathah Achsani
International Journal of Islamic Business and Economics (IJIBEC) Vol. 6 No. 2 (2022): IJIBEC VOL. 6 NO. 2 DECEMBER 2022
Publisher : Faculty of Islamic Economics and Business of UIN K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (326.732 KB) | DOI: 10.28918/ijibec.v6i2.6288

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh tingkat suku bunga bank umum, nilai tukar rupiah, bagi hasil deposito Bank Umum Syariah dan jumlah Kantor Cabang Pembantu (KCP) terhadap jumlah simpanan deposito mudharabah pada Bank Umum Syariah di Indonesia. Pendekatan dalam penelitian ini adalah kuantitatif asosiatif yang menggunakan metode Analisis Regresi Linier Berganda dengan pengujian sampel yang digunakan berasal dari 12 bank yang berada di Indonesia berdasarkan laporan bulanan Bank Umum Syariah mencakup tahun 2017 hingga 2021. Hasil penelitian menunjukkan bahwa, tingkat suku bunga bank umum tidak berpengaruh secara parsial terhadap jumlah simpanan deposito mudharabah bank umum syariah, nilai tukar rupiah, bagi hasil deposito dan jumlah Kantor Cabang Pembantu (KCP) berpengaruh secara parsial terhadap jumlah simpanan deposito mudharabah Bank Umum Syariah, tingkat suku bunga bank umum, nilai tukar rupiah, bagi hasil deposito Bank Umum Syariah dan jumlah Kantor Cabang Pembantu (KCP) berpengaruh secara simultan terhadap jumlah simpanan deposito mudharabah pada Bank Umum Syariah.
Factors Influencing the Increase in Mudarabah Savings: Evidence from Sharia Banks in Indonesia Bambang Iswanto; Risma Nurriani; Idhafiyyah Anwar; Ahmad Tibrizi Soni Wicaksono; Muhammad Nur Faaiz Fathah Achsani
International Journal of Islamic Business and Economics (IJIBEC) Vol 6 No 2 (2022): Volume 6 Nomor 2 Tahun 2022
Publisher : FEBI UIN K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research aims at discovering the effect of public bank's interest rate, Rupiah exchange rate, deposit profit sharing of public sharia banks and number of branch offices on the amount of mudarabah savings deposit in public sharia banks in Indonesia. It used Multiple Linear Regression Analysis to test 60 data samples from 12 banks located in Indonesia based on the public sharia banks’ monthly reports from 2017 to 2021. The research result showed that public bank's interest rate had no partial effect on the amount of mudarabah savings deposit and Rupiah exchange rate, deposit profit sharing and number of branch offices partially affected the amount of mudarabah savings deposit. Simultaneously, however, public bank's interest rate, Rupiah exchange rate, deposit profit sharing and number of branch offices had an influence on the amount of mudarabah savings deposit. As a primary funding source, mudarabah deposit plays an important role in a bank’s stability since it is the main element to reduce the bank liquidity risk. The implication of this study is that it is important for banks to have a policy that (1) maintain a certain amount of deposit savings by considering the macroeconomic condition, namely the exchange rate of currency used in the global economic trade and (2) maintain the performance of bank’s internal factors such as profit-sharing and number of branch offices as an attempt to expand the networkto increase the mudarabah deposit market share.