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

Nila Juniarty, Mustika Noor Mifrahi, Achmad Tohirin
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引用次数: 10

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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Mudharabah Deposit是伊斯兰银行产品之一,与其他收款产品相比,它是伊斯兰银行的最大贡献者。此外,根据印尼银行的报告,伊斯兰银行的存款数量每年都在显著增加。因此,在本研究中,作者想知道预计影响mudharabah矿床数量的因素。预计影响存款数量的因素有6个,分别是利润分成率、利率、晋升率、通货膨胀率、FDR和办公室数量。作者在利润分享率和利率方面使用加权平均值,数据处理使用多元线性回归。这些回归计算的结果,同时显示所有变量的积极和显著的结果。此值由四次回归得到的值有sigg - f, 0.000小于10%的显著性。部分利润分成、推广成本和办事处数量对mudharabah存款总量有显著的正向影响,而利率、通货膨胀率和FDR对mudharabah存款总量没有影响。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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来源期刊
自引率
0.00%
发文量
21
审稿时长
10 weeks
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