Pengaruh Tingkat Suku Bunga, Tingkat Bagi Hasil, Likuiditas, Inflasi, Ukuran Bank, dan Pertumbuhan Produk Domestik Bruto terhadap Deposito Mudharabah Bank Umum Syariah di Indonesia
DOI:
https://doi.org/10.24090/ej.v6i1.2045Keywords:
Interest Rates, the level of profit sharing, liquidity, the size of the company, the growth of gross domestic product, mudaraba depositsAbstract
The purpose of this study is to examine the influence of interest rates, the level of profit sharing, liquidity, inflation, the size of the company, and the growth of gross domestic product simultaneously and partially on mudaraba deposits at Islamic Commercial Banking in Indonesia. This study conduct quantitative research with hypothesis testing on secondary data in term of time series on the quartely financial statements starting from the first quarter of 2011 to fourth quarter of 2014. The reserach sample is six Islamic Commercial Banking in Indonesia. The data analysis technique in this study are descriptive analysis, classical assumption test, multiple regression analysis, hypothesis test uses F test, and t test. The result showed that variable of interest rates, the level of profit sharing, liquidity, inflation, the size of the company, and the growth of gross domestic product simultaneously significant influence on mudaraba deposits at Islamic Commercial Banking in Indonesia. while partially variable of the level of profit sharing, and the size of the company positivelly significant influence on mudaraba deposits at Islamic Commercial Banking in Indonesia, but interest rates, liquidity, inflation, and the growth of gross domestic product does not significant influence on mudaraba deposits at Islamic Commercial Banking in Indonesia.References
Abduh, Muhamad, Jarita Duasa Mohammad, and Azmi Omar. 2011. Factor Influence Depositors’ Withdrawal Behavior In Islamic Bank: A Theory of Reasoned Action. International Journal of Social, Education, Economic, and Management Engineering. Vol. 5. No. 12. pp. 318-323.
Alamsyah, Dr. Halim. 2012. Perkembangan dan prospek perbankan syariah di Indonesia: tantangan dalam menyongsong MEA 2015. Milad ke-8 Ikatan Ahli Ekonomi.
Alwi, Imam. 2009. Pengaruh Suku Bunga Deposito, Tingkat Inflasi, dan Jumlah Kantor Bank Terhadap Dana Deposito Mudharabah pada Bank Syariah di Indonesia. Tesis. Universitas Islam Negeri Sunan Kalijaga, Yogyakarta.
Andriyanti, Ani, dan Wasilah. 2010. Faktor-Faktor yang Mempengaruhi Jumlah Penghimpunan Dana Pihak Ketiga (Deposito Mudharabah 1 Bulan) Bank Muamalat Indonesia (BMI). Proceeding Simposium Nasional Akuntansi XIII, Purwokerto.
Anisah, Nur, Akhmad Riduwan, dan Lailatul Amanah. 2013. Faktor-Faktor yang Mempengaruhi Pertumbuhan Deposito Mudharabah pada Bank Syariah. Jurnal Ilmu dan Riset Akuntansi. Vol. 1. No. 2. Hal. 169-186
Arifin, Zainul. 2009. Dasar-Dasar Manajemen Bank Syariah. Azkia Publisher. Jakarta, 2009.
Athukoroala, Prema-chandra, and Kunal Sen. 2011. The Determinant of Private Saving in India. Forthcoming in Economic Development and Culture Change.
Chong, Beng Soon, and Ming-Hua Liu. 2009. Islamic Banking: Interest-free or interest based?. Pasific-Basin Finance Journal. Vol. 17. pp. 125-144.
DSN/MUI/2000 No.03. Fatwa DSN-MUI/IV/2000 tentang Deposito.
Gerrad, and Cunningham. 1997. Islamic Banking: A Study in Singapore. International Journal of Bank Marketing. Vol. 15. No 6. pp. 204-216.
Ghozali, Imam. 2007. Aplikasi Analisis Multivariate Dengan Program SPSS. BP-Universitas Diponogoro, Semarang.
Greuning, Hennie van, dan Sonja Brajovic Bratanovic. 2011. Analisis Risiko Perbankan. Salemba Empat, Jakarta.
Gujarati, Damodar. 1999. Ekonometrika Dasar, Terjemahan Sumarno Zain, Erlangga, Jakarta.
Hakan, Ergeḉ Etem, and Arslan Bengül Gülümser. 2011. Impact of Interest Rate on Islamic dan Conventional Banks: The Case of Turkey. Munich Personal RePEc Archive.
Haron, Dr Sudin, and Norafifah Ahmad. 2000. The Effects of Conventional Interest Rates dan Rate of Profit on Funds Deposited with Islamic Banking System in Malaysia. International Journal of Islamic Financial Services. Vol. 1. No. 4. pp. 1-7.
Haron, Sudin, and Wan Nursofiza Wan Azmi. 2005. Measuring Depositors’ of Malaysian Islamic Banking System: A Co-integration Approach. Proceeding 6th International Conference On Islamic Economic and Finance. Vol. 2.
Haron, Sudin, and Wan Nursofiza Wan Azmi. 2008. Determinants of Islamic and Conventional Deposits in The Malaysian Banking System. Managerial Finance. Vol. 34. No. 9.
Hasanah, Heni, Noer Azam Achsani, Ascarya, and Hermanto Siregar. 2013. Displaced Commercial Risk: Empirical Analysis on the Competition Between Conventional and Islamic Banking Systems in Indonesia. Advances in Natural and Applied Sciences. Vol. 7. No. 3. pp. 292-299. ISSN 1995-0772.
Kaleem, Ahmad, and Mansor Muhammad Isa. 2003. Causal Relationship Between Islamic and Conventional Banking Instruments in Malaysia. International Journal of Islamic Financial Service. Vol. 4. No. 4.
Karim, Adiwarman. Bank Islam Analisis Fiqih dan Keuangan. PT. Raja Grafindo Persada. Jakarta, 2004.
Karim, Adiwarman. Ekonomi Makro Islami. 2nd edition, Raja Grafindo Persada, Jakarta, 2007.
Kasri, Rahmatina, and Salina Hj. Kassim. 2009. Empirical Determinants of Saving in the Islamic Banks: Evidence from Indonesia. JKAU: Islamic Economic. Vol. 22. No. 2. pp. 181-201.
Laporan Perkembangan Perbankan Shariah 2011. Direktorat Perbankan Syariah Bank Indonesia.
Laporan Perkembangan Perbankan Shariah 2012. Direktorat Perbankan Syariah Bank Indonesia.
Mannan. 1997. Teori dan Praktek Ekonomi Islam. Yogyakarta: PT. Dana Bhakti Prima Yasa.
Muhammadinah. 2011. Pengaruh Tingkat Suku Bunga Bank Indonesia dan Tingkat Inflasi terhadp Nilai Tukar Rupaih atas Dollar Amerika. Jurnal Ekonomi dan Akuntansi. Vol. 1. No. 2.
Metawa, and Almossawi. 1998. Banking Behaviour of Islamic Bank Customers: Perspectives and Implications. International Journal of Bank Marketing. Vol. 16. No 7. pp. 299-313.
Nasution, Chairuddin Syah. 2003. Manajemen Kredit Syari’ah Bank Muamalat. Kajian Ekonomi dan Keuangan. Vol.7. No.3
Niresh, Aloy, and Velnampy. 2014. Firm Size and Profitability: A Study of Listed Manufacturing Firms in Srilangka. International Journal of Business dan Management. Vol. 9. No. 4. 2014. E-ISSN 1833-8119.
Nizar, Muhammad Afdi. 2007. Analisis Pengaruh Imbal Hasil dan Suku Bunga terhdap Tabungan (Saving Deposit) Bank Syariah dan Bank Konvensional di Indonesia. Kajian Ekonomi dan Keuangan . Vol. 11. No. 2.
Novianto, Abdullah Syakur, dan Djumilah Hadiwidjojo. 2013. Analisis Faktor-Faktor yang Mempengaruhi Penghimpunana Deposito Mudharabah Perbankan Syariah di Indonoesia. Jurnal Aplikasi Manajemen. Vol.11. No. 4.
Ozcan, Gunay, and Ertac. 2003. Determinants of Private Savings Behaviour in Turkey. Applied Economics. Vol. 35. No. 12.
Perwataatmadja, et al. 2006. Bank dan Asuransi Islam di Indonesia. Kencana dan Fakultas Hukum UI, 2006.
Rachman, Rizki Aulia, Agung Yulianto, dan Nanik Sri Utaminingsih. 2013. Pengaruh Bagi Hasil, Bunga, Ukuran Bank, dan Jumlah Cabang terhadap Simpanan Mudharabah. Accounting Analysis Journal. Vol. 2. No. 4. 1SSN 2252-6765.
Sudrajat, Iiyas. 2006. Analisis Faktor-Faktor yang Mempengaruhi Simpanan Mudharabah pada Bank Syariah di Sumatera Utara. Tesis. Universitas Sumatera Utara, Medan.
Sugiyono. 2012. Statistik untuk Penelitian. Penerbit Alfabeta, Bandung.
Suhaedi, 2000. Suku Bunga Sebagai Salah Satu Indikator Ekspektasi Inflasi. Buletin Ekonomi Moneter dan Perbankan. Vol.2 No.4 Bank Indonesia, Jakarta.
Sukirno, Sadono. 2006. Ekonomi Pembangunan: Proses, Masalah, dan Dasar Kebijakan. Jakarta: Kencana Prenada Media Group.
Suliyanto. 2011. Ekonometrika Terapan. Penerbat Dani, Yogyakarta.
Suryani. 2011. Analisis Pengaruh Financing to Deposit Ratio (FDR) terhadap Profitabilitas Perbankan Syariah di Indonesia. Vol. 19. No. 1.
Undang-Undang Nomor 21 Tahun 2008 Pasal 1 tentang Perbankan Syariah.
Undang-Undang Nomor 21 Tahun 2008 Pasal 2 dan 3 tentang Tujuan dari Perbankan Syariah.
Undang-Undang Nomor 21 Tahun 2008 Pasal 4 tentang Fungsi dari Perbankan Syariah.
Alamsyah, Dr. Halim. 2012. Perkembangan dan prospek perbankan syariah di Indonesia: tantangan dalam menyongsong MEA 2015. Milad ke-8 Ikatan Ahli Ekonomi.
Alwi, Imam. 2009. Pengaruh Suku Bunga Deposito, Tingkat Inflasi, dan Jumlah Kantor Bank Terhadap Dana Deposito Mudharabah pada Bank Syariah di Indonesia. Tesis. Universitas Islam Negeri Sunan Kalijaga, Yogyakarta.
Andriyanti, Ani, dan Wasilah. 2010. Faktor-Faktor yang Mempengaruhi Jumlah Penghimpunan Dana Pihak Ketiga (Deposito Mudharabah 1 Bulan) Bank Muamalat Indonesia (BMI). Proceeding Simposium Nasional Akuntansi XIII, Purwokerto.
Anisah, Nur, Akhmad Riduwan, dan Lailatul Amanah. 2013. Faktor-Faktor yang Mempengaruhi Pertumbuhan Deposito Mudharabah pada Bank Syariah. Jurnal Ilmu dan Riset Akuntansi. Vol. 1. No. 2. Hal. 169-186
Arifin, Zainul. 2009. Dasar-Dasar Manajemen Bank Syariah. Azkia Publisher. Jakarta, 2009.
Athukoroala, Prema-chandra, and Kunal Sen. 2011. The Determinant of Private Saving in India. Forthcoming in Economic Development and Culture Change.
Chong, Beng Soon, and Ming-Hua Liu. 2009. Islamic Banking: Interest-free or interest based?. Pasific-Basin Finance Journal. Vol. 17. pp. 125-144.
DSN/MUI/2000 No.03. Fatwa DSN-MUI/IV/2000 tentang Deposito.
Gerrad, and Cunningham. 1997. Islamic Banking: A Study in Singapore. International Journal of Bank Marketing. Vol. 15. No 6. pp. 204-216.
Ghozali, Imam. 2007. Aplikasi Analisis Multivariate Dengan Program SPSS. BP-Universitas Diponogoro, Semarang.
Greuning, Hennie van, dan Sonja Brajovic Bratanovic. 2011. Analisis Risiko Perbankan. Salemba Empat, Jakarta.
Gujarati, Damodar. 1999. Ekonometrika Dasar, Terjemahan Sumarno Zain, Erlangga, Jakarta.
Hakan, Ergeḉ Etem, and Arslan Bengül Gülümser. 2011. Impact of Interest Rate on Islamic dan Conventional Banks: The Case of Turkey. Munich Personal RePEc Archive.
Haron, Dr Sudin, and Norafifah Ahmad. 2000. The Effects of Conventional Interest Rates dan Rate of Profit on Funds Deposited with Islamic Banking System in Malaysia. International Journal of Islamic Financial Services. Vol. 1. No. 4. pp. 1-7.
Haron, Sudin, and Wan Nursofiza Wan Azmi. 2005. Measuring Depositors’ of Malaysian Islamic Banking System: A Co-integration Approach. Proceeding 6th International Conference On Islamic Economic and Finance. Vol. 2.
Haron, Sudin, and Wan Nursofiza Wan Azmi. 2008. Determinants of Islamic and Conventional Deposits in The Malaysian Banking System. Managerial Finance. Vol. 34. No. 9.
Hasanah, Heni, Noer Azam Achsani, Ascarya, and Hermanto Siregar. 2013. Displaced Commercial Risk: Empirical Analysis on the Competition Between Conventional and Islamic Banking Systems in Indonesia. Advances in Natural and Applied Sciences. Vol. 7. No. 3. pp. 292-299. ISSN 1995-0772.
Kaleem, Ahmad, and Mansor Muhammad Isa. 2003. Causal Relationship Between Islamic and Conventional Banking Instruments in Malaysia. International Journal of Islamic Financial Service. Vol. 4. No. 4.
Karim, Adiwarman. Bank Islam Analisis Fiqih dan Keuangan. PT. Raja Grafindo Persada. Jakarta, 2004.
Karim, Adiwarman. Ekonomi Makro Islami. 2nd edition, Raja Grafindo Persada, Jakarta, 2007.
Kasri, Rahmatina, and Salina Hj. Kassim. 2009. Empirical Determinants of Saving in the Islamic Banks: Evidence from Indonesia. JKAU: Islamic Economic. Vol. 22. No. 2. pp. 181-201.
Laporan Perkembangan Perbankan Shariah 2011. Direktorat Perbankan Syariah Bank Indonesia.
Laporan Perkembangan Perbankan Shariah 2012. Direktorat Perbankan Syariah Bank Indonesia.
Mannan. 1997. Teori dan Praktek Ekonomi Islam. Yogyakarta: PT. Dana Bhakti Prima Yasa.
Muhammadinah. 2011. Pengaruh Tingkat Suku Bunga Bank Indonesia dan Tingkat Inflasi terhadp Nilai Tukar Rupaih atas Dollar Amerika. Jurnal Ekonomi dan Akuntansi. Vol. 1. No. 2.
Metawa, and Almossawi. 1998. Banking Behaviour of Islamic Bank Customers: Perspectives and Implications. International Journal of Bank Marketing. Vol. 16. No 7. pp. 299-313.
Nasution, Chairuddin Syah. 2003. Manajemen Kredit Syari’ah Bank Muamalat. Kajian Ekonomi dan Keuangan. Vol.7. No.3
Niresh, Aloy, and Velnampy. 2014. Firm Size and Profitability: A Study of Listed Manufacturing Firms in Srilangka. International Journal of Business dan Management. Vol. 9. No. 4. 2014. E-ISSN 1833-8119.
Nizar, Muhammad Afdi. 2007. Analisis Pengaruh Imbal Hasil dan Suku Bunga terhdap Tabungan (Saving Deposit) Bank Syariah dan Bank Konvensional di Indonesia. Kajian Ekonomi dan Keuangan . Vol. 11. No. 2.
Novianto, Abdullah Syakur, dan Djumilah Hadiwidjojo. 2013. Analisis Faktor-Faktor yang Mempengaruhi Penghimpunana Deposito Mudharabah Perbankan Syariah di Indonoesia. Jurnal Aplikasi Manajemen. Vol.11. No. 4.
Ozcan, Gunay, and Ertac. 2003. Determinants of Private Savings Behaviour in Turkey. Applied Economics. Vol. 35. No. 12.
Perwataatmadja, et al. 2006. Bank dan Asuransi Islam di Indonesia. Kencana dan Fakultas Hukum UI, 2006.
Rachman, Rizki Aulia, Agung Yulianto, dan Nanik Sri Utaminingsih. 2013. Pengaruh Bagi Hasil, Bunga, Ukuran Bank, dan Jumlah Cabang terhadap Simpanan Mudharabah. Accounting Analysis Journal. Vol. 2. No. 4. 1SSN 2252-6765.
Sudrajat, Iiyas. 2006. Analisis Faktor-Faktor yang Mempengaruhi Simpanan Mudharabah pada Bank Syariah di Sumatera Utara. Tesis. Universitas Sumatera Utara, Medan.
Sugiyono. 2012. Statistik untuk Penelitian. Penerbit Alfabeta, Bandung.
Suhaedi, 2000. Suku Bunga Sebagai Salah Satu Indikator Ekspektasi Inflasi. Buletin Ekonomi Moneter dan Perbankan. Vol.2 No.4 Bank Indonesia, Jakarta.
Sukirno, Sadono. 2006. Ekonomi Pembangunan: Proses, Masalah, dan Dasar Kebijakan. Jakarta: Kencana Prenada Media Group.
Suliyanto. 2011. Ekonometrika Terapan. Penerbat Dani, Yogyakarta.
Suryani. 2011. Analisis Pengaruh Financing to Deposit Ratio (FDR) terhadap Profitabilitas Perbankan Syariah di Indonesia. Vol. 19. No. 1.
Undang-Undang Nomor 21 Tahun 2008 Pasal 1 tentang Perbankan Syariah.
Undang-Undang Nomor 21 Tahun 2008 Pasal 2 dan 3 tentang Tujuan dari Perbankan Syariah.
Undang-Undang Nomor 21 Tahun 2008 Pasal 4 tentang Fungsi dari Perbankan Syariah.
Downloads
Published
2018-06-11
How to Cite
Sholikha, A. F. (2018). Pengaruh Tingkat Suku Bunga, Tingkat Bagi Hasil, Likuiditas, Inflasi, Ukuran Bank, dan Pertumbuhan Produk Domestik Bruto terhadap Deposito Mudharabah Bank Umum Syariah di Indonesia. El-Jizya : Jurnal Ekonomi Islam, 6(1), 1–22. https://doi.org/10.24090/ej.v6i1.2045
Issue
Section
Articles
License
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-ShareAlike License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
