PENGARUH NISBAH DEPOSITO MUDHARABAH NON BANK TERHADAP JUMLAH SIMPANAN DEPOSITO MUDHARABAH NON BANK PADA BANK SYARIAH BUKOPIN, TBK., PERIODE 2011 – 2017
Disusun Oleh : Rezha Renaldi Pembimbing : Ahmad Hidayat, SS., MA
ABSTRAK
Dalam menghimpun dana bank syariah memberikan imbalan berupa bagi hasil bagi akad mudharabah dan bonus bagi akad wadiah untuk nasabah penyimpan dana. Dalam kegiatan penghimpunan dana dengan akad mudharabah tingkat bagi hasil atau nisbah merupakan salah satu faktor yang menarik bagi masyarakat menyimpan dananya di bank syariah. Penelitian ini bertujuan untuk menguji pengaruh Nisbah Deposito Mudharabah Non Bank Terhadap Jumlah Simpanan Deposito Mudharabah Non Bank Pada PT Bank Syariah Bukopin, Tbk.
Metode penelitian yang digunakan dalam penelitian ini adalah metode deskriptif dan metode verifikatif dengan teknik pengumpulan data yaitu studi kepustakaan dan dokumentasi. Data yang digunakan adalah data sekunder dengan pengambilan sampel dari laporan keuangan PT. Bank Syariah Bukopin, Tbk., Periode Tahun 2011 – 2017. Rancangan pengujian hipotesis menggunakan uji asumsi klasik, analisis regresi sederhana, analisis koefisien korelasi, analisis koefisien determinasi, dan uji t.
Hasil penelitian menggunakan uji t menunjukkan bahwa Nisbah Deposito Mudharabah Non Bank berpengaruh signifikan terhadap jumlah Simpanan Deposito Mudharabah Non Bank dengan arah negatif yang mana apabila Nisbah Deposito Mudharabah Non Bank turun maka Jumlah Simpanan Deposito Mudharabah Non Bank cenderung meningkat, dengan besarnya koefisien determinasi sebesar 71,3%. Dengan nilai koefisien korelasi -0,845 berada pada tingkat hubungan yang sangat kuat dan negatif.
Kata kunci: Nisbah Deposito Mudharabah, Simpanan Deposito Mudharabah, PT Bank Syariah Bukopin,Tbk.
THE EFFECT OF NISBAH MUDHARABAH TIME DEPOSIT NON BANK TO AMOUNT OF MUDHARABAH TIME DEPOSITS SAVING NON BANK
AT BUKOPIN ISLAMIC BANK, TBK., PERIOD 2011 – 2017
Written by : Rezha Renaldi
Preceptor :
Ahmad Hidayat, SS., MA
ABSTRACT
In collecting funds Islamic bank gift reward in the form of revenue sharing for mudharabah contract and bonus for wadiah contract for fund depositors.in collecting funds activities with mudharabah contract revenue sharing level or nisbah is one of the interesting factors for people to save their funds in Islamic bank. The purpose of this study was to determine the effect of Nisbah Mudharabah Time Deposit Non Bank To Amount Of Mudharabah Time Deposits Saving Non Bank At PT Bukopin Islamic Bank, Tbk.
The research used descriptive and verification method with data collection techniques namely the study of literature and documentation. The data used secondary data with sampling of the financial report PT Bukopin Islamic Bank, Tbk., period 2011 – 2017. The design hypothesis testing using classic assumption test, simple linier regression analysys,correlation coefficient analysys, coefficient of determination, and t test.
The resulted of this study used t test show that Nisbah Mudharabah Time Deposit Non Bank had significant effect to Amount Of Mudharabah Time Deposits Saving Non Bank with negative direction which one if Nisbah Mudharabah Time Deposit Non Bank decrease then Amount Of Mudharabah Time Deposit Non Bank tend to increase. With the magnitude of the coefficient of determination in the amount of 71,3%. With the value of the correlation coefficient -0,845 are at a very strong and negative level of correlation.
Keywords: Nisbah Mudharabah Time Deposit, Mudharabah Time Deposits Saving, PT Bukopin Islamic Bank, Tbk.
