Faktor-Faktor yang Mempengaruhi Tingkat Bagi Hasil Deposito Mudharabah pada Bank Umum Syariah selama Pandemi COVID-Periode 2019-2021
DOI:
https://doi.org/10.30631/ijoieb.v9i1.2271Keywords:
FDR,NPF, Inflation,Mudharabah Profit Sharing RateAbstract
This study aims to analyze the factors influencing the profit-sharing level of mudharabah deposits in Islamic commercial banks both partially and simultaneously during the COVID-19 pandemic in Indonesia from 2019 to 2021. The dependent variable in this study is the profit-sharing rate of mudharabah deposits, while the independent variables include Financing to Deposits Ratio (FDR), Non-Performing Financing (NPF), and Inflation. The population comprises Islamic commercial banks operating in Indonesia that have published comprehensive financial reports during the vulnerable period from 2019 to 2021. Following the selection process, the target population consists of five banks, namely BCA Syariah Bank, Mega Syariah Bank, Panin Dubai Syariah Bank, Bukopin Syariah Bank, and Victoria Syariah Bank. The sampling method employed in this study is a nonprobability sampling technique using purposive sampling. The results indicate that both partially and simultaneously, the variables Financing to Deposits Ratio (FDR), Non-Performing Financing (NPF), and Inflation significantly affect the profit-sharing level of mudharabah deposits. The Coefficient of Determination (R2) reveals that in this study, all independent variables contribute to the dependent variable by 60.9%. The remaining 39.1% is influenced by other variables not included in this study, such as Capital Adequacy Ratio (CAR), interest rates, and other factors.
References
Arfiani, L. R. (2017). Analisis Faktor-Faktor Yang Mempengaruhi Tingkat Bagi Hasil Simpanan Mudharabah Pada Bank Umum Syariah Di Indonesia. UIN Syarif Hidayatullah Jakarta.
Hendrawati. (2020). Pengaruh Capital Adequacy Ratio (CAR), Quick Ratio, Rasio Biaya Operasional terhadap Pendapatan Operasional (BOPO) terhadap Return On Assets (ROE) pada Bank Konvensional di Indonesia periode 2010-2014. Jurnal Manajemen FE-UB, 06(2), 138–161.
Linda, R. (2022). Analisis Faktor-Faktor Yang Mempengaruhi Jumlah Deposito Mudharabah Pada Bank Umum Syariah Di Indonesia Pada Saat Covid-19. Jurnal Tabarru': Islamic Banking and Finance, 5(1), 71–82. https://doi.org/10.25299/jtb.2022.vol5(1).8961
Nofianti, N., Badina, T., & Erlangga, A. (2015). Analisis pengaruh Return On Asset, Biaya Operasional terhadap Suku Bunga, Financing Deposits Ratio dan Non Performing Financing terhadap Tingkat Bagi Hasil Deposito Mudharabah. Jurnal Bisnis Dan Manajemen, 5(1).
Putra Purnama, D. (2020). Factors That Influence The Level of Profit Sharing Mudharabah In Islamic Banks Using Financing as A Moderating Variable. The International Conference on Innovations in Social Sciences and Education (ICoISSE), 1(1), 790–798.
Putri, N. A. (2021). Pengaruh Financing To Deposits Ratio (FDR) dan Non Performing Financing (NPF) Terhadap Return On Assets (ROA) Dengan Capital Adequacy Ratio (CAR) Sebagai Variabel Intervening. UIN Raden Fatah Palembang.
Romdhoni, A. H., & Chateradi, B. C. (2018). Pengaruh CAR, NPF dan FDR Terhadap Profitabilitas Bank Syariah (Studi Kasus Pada Bank BCA Syariah Tahun 2010-2017). Jurnal Ilmiah Edunomika, 2(02), 206–218. https://doi.org/10.29040/jie.v2i02.315
Rosmanidar, E., Hadi, A. A. Al, & Ahsan, M. (2021). Islamic Banking Performance Measurement: a Conceptual Review of Two Decades. International Journal of Islamic Banking and Finance Research, 5(1), 16–33. https://doi.org/10.46281/ijibfr.v5i1.1056
Setiawan, R. (2023). Avoidance of Riba-Based Loans and Enhancement of Quality of Life: An Indonesian Context Analysis Journal of Religions, 14(11). doi:https://doi.org/10.3390/rel14111376
Setiawan, R. A. (2023). The Future of Islamic Banking and Finance in Indonesia: Performance, Risk and Regulation. London: Routledge.
Sugiyono. (2019). Metode Penelitian Kuantitatif. In Setiyawami (Ed.), Alfabeta, Bandung. Alfabeta, Bandung.
Sugiyono. (2020). Metode Penelitian Kuantitatif Kualitatif dan R&D (2nd ed.). Bandung: Alfabeta.
Usdeldi, U., Nasir, M. R., & Ahsan, M. (2022). The Mediate Effect Of Sharia Compliance on The Performance of Islamic Banking in Indonesia. Jurnal Keuangan Dan Perbankan, 26(1), 247–264. https://doi.org/10.26905/jkdp.v26i1.6158
Tsabita, T. E. (2023). Analisis Faktor-Faktor yang Mempengaruhi Tingkat Bagi Hasil Simpanan Mudharabah Pada Bank Umum Syariah Di Indonesia. Universitas Islam Negeri Indonesia.
Wulandari, Y. (2022). Faktor-Faktor Yang Mempengaruhi Jumlah Simpanan Deposito Mudharabah Pada Bank Umum Syariah Di Indonesia. UIN Maulana Malik Ibrahim Malang.
Downloads
Published
Issue
Section
License
Copyright (c) 2024 Indonesian Journal of Islamic Economics and Business
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
