Jurnal Ekonomi & Keuangan Islam
Volume 3 No. 1, Januari 2017

Faktor-faktor yang mempengaruhi deposito mudharabah pada bank syariah di Indonesia

Nila Juniarty (Fakultas Ekonomi, Universitas Islam Indonesia, Yogyakarta)
Mustika Noor Mifrahi (Fakultas Ekonomi, Universitas Islam Indonesia, Yogyakarta)
Achmad Tohirin (Fakultas Ekonomi, Universitas Islam Indonesia, Yogyakarta)



Article Info

Publish Date
18 May 2018

Abstract

Mudharabah Deposit is one of Islamic banking products, which is the biggest contributor to sharia banking compared to other collecting products. In addition, according to Bank Indonesia's report, the number of Islamic banking deposits each year has increased significantly. Therefore, in this study, the authors want to know the factors that are expected to affect the number of mudharabah deposits. There are 6 factors that are expected to affect the number of deposits, namely the profit-sharing rate, the interest rate, the promotion rate, the inflation rate, the FDR, and the number of offices. The authors use a weighted average in terms of rate of profit sharing and interest rate and data processing using multiple linear regression. The results of these regression calculations, simultaneously show positive and significant results for all variables. This value resulted from the four regression has a value of sig-F 0.000 is smaller than 10% significance. Partially, profit sharing, promotion cost and number of offices show significant and positive effect on total mudharabah deposit, while interest rate, inflation and FDR show no effect on mudharabah deposit amount.

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Journal Info

Abbrev

JEKI

Publisher

Subject

Economics, Econometrics & Finance

Description

AIMS Jurnal Ekonomi dan Keuangan Islam (JEKI) covers in detail a large number of topics related to Islamic Economics and Islamic Finance, comprising the latest empirical studies, country-specific studies, policy evaluations on Islamic economics and comparative international Islamic finance. This ...