FACTORS AFFECTING THE GROWTH OF MUDHARABAH DEPOSITS IN ISLAMIC BANKS IN INDONESIA
Main Article Content
Sasmita Purnamasari*
Unggul Purwohedi
Tri Hesti Utaminingtyas
This study examines the factors influencing the growth of mudharabah deposits in Islamic banks in Indonesia during the period of 2012-2020. The data used in this research is secondary data in the form of financial reports from registered and active Islamic Commercial Banks (BUS) under the supervision of the Financial Services Authority (OJK). The variables tested include both dependent and independent variables. Mudharabah deposits (DPS) are used as the dependent variable, while the interest rate (ITS), inflation rate (IFL), and Finance to Deposit Ratio (FDR) are the independent variables. Data processing in this study is conducted using Microsoft Excel, Eviews 9 program, and multiple linear regression analysis method for hypothesis testing. The findings of this research indicate that the inflation rate (IFL) has a significant impact on the growth of mudharabah deposits, while the interest rate (ITS) and Finance to Deposit Ratio (FDR) do not have a significant impact on the growth of mudharabah deposits.
A, K. (2007). Perwataatmadja & Muhammad Syafi’I Antonio, Apa dan Bagaimana Bank Islam, cet.3, Yogyakarta: PT. Dana Bhakti Prima Yasa, 1999, h. 20.
Al Farizi, F., & Riduwan, A. (2016). Pengaruh inflasi, suku bunga, likuiditas, dan bagi hasil terhadap deposito mudharabah. Jurnal Ilmu Dan Riset Akuntansi (JIRA), 5(4).
Anisah, N., Riduwan, A., & Amanah, L. (2013). Faktor-faktor yang mempengaruhi pertumbuhan deposito Mudharabah Bank Syariah. Jurnal Ilmu Dan Riset Akuntansi, 1(2), 169–186.
Antonio, M. S. (2001). Bank Syariah: dari teori ke praktik. Gema Insani.
Ascarya. (2007). Akad & Produk Bank Syariah, ed.1, cet.5, Jakarta: PT Raja Grafindo Persada, 2007, h.118.
Boediono. (2009). Ekonomi Moneter Edisi III, BPFE: Yogyakarta.
DSN-BI. (2000). Himpunan Fatwa Dewan Syariah Nasional untuk Lembaga Keuangan Syariah. Dewan Syariah Nasional-Bank Indonesia: Jakarta.
Fahmi, I. (2014). Analisis Kinerja Keuangan. Cetakan Kesatu. Bandung: Alfabeta.
Hardianti, V. (2022). Restructuring Policy for Problematic Murabahah Financing for MSME Customers due to the 2019 Coronavirus Disease (Covid-19) Pandemic. CASHFLOW: Current Advanced Research on Sharia Finance and Economic Worldwide, 1(4), 21–28. https://doi.org/https://doi.org/10.55047/cashflow.v1i4.241
Haron, S., & Azmi, W. N. W. (2005). Measuring Depositors’ Behaviour of Malaysian Islamic Banking System: A Co-integration Approach. Journal of Proceeding of The 6th International Conference on Islamic Economics and Finance, 1, 19–40.
Ismail. (2011). Perbankan Syariah. Edisi Pertama. Jakarta: Kencana Prenada Media Group.
Karim, A. (2007). Ekonomi Makro Islami. 2nd edition, Raja Grafindo Persada, Jakarta, 2007.
Khotibul Umam, S. B. U. (2017). Perbankan Syariah: Dasar-dasar dan Dinamika Perkembangannya di Indonesia.
Natalia, E., Dzulkirom, M., & Dan Mangesti, R. S. (2014). Pengaruh tingkat bagi hasil deposito bank syariah dan suku bunga Deposito Bank Umum terhadap Jumlah Simpanan Deposito Mudharabah (studi pada PT. Bank Syariah Mandiri Periode 2009-2012). Brawijaya University.
Rahayu, S., Sukestiyarno, S., & Hendikawati, P. (2018). Peramalan Inflasi di Demak Menggunakan Metode ARIMA Berbantuan Software R dan MINITAB. PRISMA, Prosiding Seminar Nasional Matematika, 1, 745–754.
Rivai, V., & Arifin, A. (2010). Islamic Banking: Sebuah teori, konsep, dan aplikasi. PT Bumi Aksar.
Ruslizar, R., & Rahmawaty, R. (2016). Pengaruh Tingkat Bagi Hasil Deposito Mudharabah, Financing to Deposit Ratio, dan Suku Bunga Deposito Terhadap Pertumbuhan Deposito Mudharabah Pada Bank Umum Syariah di Indonesia. Jurnal Ilmiah Mahasiswa Ekonomi Akuntansi, 1(2), 84–90.
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.
Siregar, N. Y., & Rahayu, F. (2018). Pengaruh corporate governance terhadap restatement dan dampaknya terhadap harga saham. Jurnal Ilmiah ESAI, 12(2), 71–88.
Sugiyono. (2013). Metode penelitian manajemen. Bandung: Alfabeta, CV.
Sukirno, S. (2002). Pengantar Teori Makroekonomi.
Sunariyah, S., & Si, M. (2004). Pengetahuan Pasar Modal. Edisi Empat. Yogyakarta: UPP AMP.
Suwiknyo, D. (2016). Pengantar akuntansi syariah.
