Pengaruh Tabungan Mudharabah, Deposito Mudharabah Terhadap Pembiayaan Mudharabah Pada BPRS Di Indonesia Priode 2019-2022

Nurul Apriani, Asyari Hasan

Abstract

This study aims to determine how the influence of Mudharabah Savings, Mudharabah Deposits on Mudharabah Financing at BPRS in Indonesia for the period 2019-2022. This research uses quantitative research methods. The results of the study were tested with multiple linear regression using the IBM SPSS_24 programme, while the data collection of BPRS in Indonesia for the 2019-2022 period was directly obtained after conducting research on BPRS in Indonesia for the 2019-2022 period. The sample technique in this study is to use saturated sampling or total sample, namely sampling when all populations are used as samples. Based on the t-test test that the Mudharabah Savings variable (X1) has a tcount value < ttable (10.789 < 2.201), and the Mudharabah Deposit variable (X2) has a tcount value> ttable (1.435 > 2.201), this proves that there is no effect of Mudharabah Savings (X1) on the increase in Mudharabah Financing at BPRS in Indonesia priode 2019-2022 persially while the Mudharabah Deposit variable (X2) has an influence on Mudharabah Financing at BPRS in Indonesia priode 2019-2022. And based on the results of the F-test data analysis shows that simultaneously or together the Mudharabah Savings (X1) and Mudharabah Deposit (X2) variables simultaneously affect Mudharabah Financing (Y), where the sig value is 0.158 <0.05.

Full Text:

PDF

References

Aritonang, A. (2023). Pengaruh faktor makro ekonomi dan financial performance terhadap market share perbankan syariah di Indonesia tahun 2019-2022 (Doctoral dissertation, UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan).

Artha Deva, A. (2023). Pengaruh Religiusitas, Preferensi Risiko Dan Presefsi Bagi Hasil Terhadap Minat Berinvestasi Deposito Mudharabah (Studi Pada Nasabah Bank Syariah Indonesia Kcp Bekaso Ahmad Yani), (Doctoral dissertation, UIN Prof. KH Saifuddin Zuhri).

Freddy Rangkuti, Measuring Customer Satisfaction Teknik Mengukur dan Strategi Meningkatkan Kepuasan Pelanggan dan Analisis Kasus PLN JP, (Jakarta: PT Gramedia Pustaka,2002).

Hasibuan, R. M. S., Anggraini, T., & Tambunan, K. (2023). The Effect of Third Party Funds and Murabahah Margin Income through Corporate Social Responsibility (CSR) as Intervening Variables on Bank North Sumatra Syariah's Profit in 2019-2022. Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam, 11(2), 108-128.

Junardi, J., & Azhari, A. (2020). Analisis Potensi BPRS Terhadap Peningkatan Omset Usaha Menengah Kecil Dan Mikro (UMKM) Di Kabupaten Bireuen Studi Kasus: PT. BPRS Rahmania Dana Sejahtera. IndOmera, 1(2), 29-43.

Mudzakir, C. Judul:“Pengaruh Strategi Pemasaran Produk Simpanan Berjangka Mudarabah Terhadap Minat Menabung Anggota KSPPS Hudatama Semarang” (Bachelor's thesis, Fakultas Dakwah dan Ilmu Komunikasi Universitas Islam Negeri Syarif Hidayatullah Jakarta).

Nurbayani, N., & Lidiawati, D. (2018). Pengaruh Pemberian Kredit Terhadap Tingkat Pendapatan Usaha Kecil Dan Menengah Pada Program Kemitraan Dan Bina Lingkungan Pt Asabri (Persero) Cabang Makassar. Jurnal Ilmiah Akuntansi Peradaban, 4(2).

Rachman, A. R., Barnas, B., & Ruhadi, R. (2021). Pengaruh Deposito Mudharabah dan NPF Terhadap ROA dan Pembiayaan Bagi Hasil Sebagai Intervening pada Bank Umum Syariah. Journal of Applied Islamic Economics and Finance, 1(2), 499-510.

Ramadhan, R. Perbandingan Efesiensi Bank Syariah Yang Terdaftar Di Bursa Efek Indonesia Sebelum Dan Selama Pandemi Covid-19 (Menggunakan Metode DEA dan HEFDYN) Periode 2019-2022 (Master's thesis, Fakultas Ekonomi Dan Bisnis UIN Jakarta).

Sari, Y., Hendrianto, H., & Pefriyadi, P. (2023). Pengaruh Pembiayaan Musyarakah Dan Mudharabah Terhadap Profitabilitas Pada Bank Umum Syariah Periode 2019-2022 (Doctoral dissertation, Institut Agama Islam Negeri Curup).

Savitri, N. I. D. (2016). Analisis Pengaruh Produk Domestik Bruto, Inflasi, dan Nilai Kurs terhadap Penerbitan Sukuk Korporasi Di Indonesia Periode Tahun 2014-2016. Ejournal UIN Sunan Kalijaga Yogyakarta, 7(3), 1-15.

Setiawan, M. H. Pengaruh jumlah tenaga kerja, jumlah kantor cabang dan pembiayaan musyarakah terhadap aset bank umum syariah di Indonesia.

Shiyammurti, N. R. (2020). Dampak Pandemi Covid-19 Di PT. Bursa Efek Indonesia (BEI). Journal of Accounting Taxing and Auditing (JATA), 1(1).

Suciningtias, S. A. (2019). Macroeconomic impacts on sukuk performance in indonesia: co-integration and Vector Error Correction Model approach. Journal of Islamic Finance, 8, 117-130.

Zubairi Hasan, Undang-undang Perbankan Syariah Titik Temu Hukum Islam dan Hukum Nasional, (Jakarta: PT Raja Grafindo Persada, 2009).

DOI: http://dx.doi.org/10.29040/jiei.v9i3.11359

Refbacks

  • There are currently no refbacks.
echo 'slot gacor