Metasari, Agrian Ekalagati (2014) PENGARUH KINERJA KEUANGAN, TERHADAP TINGKAT BAGI HASIL DEPOSITO MUDHARABAH. Other thesis, UPN "Veteran" Yogyakarta.
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Abstract
ABSTRACT
The fundamental difference between conventional banks and Islamic
banks is the prohibition of interest in Islamic banks as interest rate system adopted
by conventional banks , so that in the course of its operations , Islamic banks
adhere sharing system. Establishment of Islamic banking in Indonesia is growing
rapidly. Recent developments on the growth of Islamic Banking in Indonesia as of
January 2013 there were 11 Islamic Banks. Various studies have found that the
behavior of customers in selecting Islamic banks is driven by a gain factor.
Depositors will always consider the rate of return earned on investments in
Islamic banks.
This study is an empirical study that had the aim to determine the effect of
Efficiency, Effectiveness of Third Party Funds, Profitability and Capital
Adequacy Against Mudaraba Deposit Rate of Profit Sharing In Indonesian Islamic
Banks. Islamic banking is a sample company with the number of observations by
4 companies during the period 2009 to 2012 using quarterly financial statements.
The analysis tool is used to test hypotheses using linear regression panel data that
is processed by software eviews 6.
The results show that in partial efficiency significantly influence the rate
of production sharing Mudaraba deposits. Effectiveness of Third Party Funds,
Profitability and Capital Adequacy no effect on the rate of production sharing
Mudaraba deposits.
Keywords: Efficiency, Effectiveness of Third Party Funds, profitability, capital
adequacy and Mudaraba Deposit Rate of Profit Sharing.
ABSTRAK
Perbedaan mendasar antara bank konvensional dan bank syariah adalah
adanya larangan bunga dalam bank syariah sebagaimana sistem bunga yang
dianut oleh bank konvensional, sehingga dalam menjalankan kegiatan operasinya,
bank syariah menganut sistem bagi hasil. Pendirian perbankan syariah di
Indonesia semakin pesat. Perkembangan terakhir tentang pertumbuhan Bank
Syariah di Indonesia per Januari 2013 terdapat sebanyak 11 Bank Umum Syariah
(BUS). Berbagai penelitian menemukan bahwa perilaku nasabah dalam memilih
bank syariah didorong oleh faktor memperoleh keuntungan. Nasabah penyimpan
dana akan selalu mempertimbangkan tingkat imbalan yang diperoleh dalam
melakukan investasi pada bank syariah.
Penelitian ini merupakan studi empiris yang memiliki tujuan untuk
mengetahui pengaruh Efisiensi, Efektivitas Dana Pihak Ketiga, Profitabilitas, dan
Kecukupan Modal Terhadap Tingkat Bagi Hasil Deposito Mudharabah Pada
Bank Umum Syariah Indonesia. Sampel adalah perusahaan perbankan syariah
dengan jumlah observasi sebanyak 4 perusahaan selama periode 2009 sampai
dengan 2012 menggunakan laporan keuangan triwulan. Alat analisis yang
digunakan untuk menguji hipotesis adalah regresi linier menggunakan data panel
yang diolah dengan software eviews 6.
Hasil pengujian menunjukkan bahwa secara parsial variabel Efisiensi
berpengaruh signifikan terhadap Tingkat Bagi Hasil Deposito Mudharabah.
Efektivitas Dana Pihak Ketiga, Profitabilitas dan Kecukupan Modal tidak
berpengaruh terhadap Tingkat Bagi Hasil Deposito Mudharabah.
Kata Kunci: Efisiensi, Efektivitas Dana Pihak Ketiga, Profitabilitas,
Kecukupan Modal dan Tingkat Bagi Hasil Deposito Mudharabah.
| Item Type: | Thesis (Other) |
|---|---|
| Subjek: | H Social Sciences > HG Finance |
| Divisions: | x. Faculty of Law, Arts and Social Sciences > School of Social Sciences |
| Depositing User: | Ratna Sufiatin |
| Date Deposited: | 07 Oct 2016 02:18 |
| Last Modified: | 07 Oct 2016 02:18 |
| URI: | http://eprints.upnyk.ac.id/id/eprint/7400 |
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