Analisa Perbandingan sistem bagi hasil tabungan Mudharabah BNI Syariah dengan sistem Bunga tabungan konvensional pada PT. BNI' 46 Tahun 2006-2008 serta pengaruhnya terhadap minat

Hartati, Asri (2010) Analisa Perbandingan sistem bagi hasil tabungan Mudharabah BNI Syariah dengan sistem Bunga tabungan konvensional pada PT. BNI' 46 Tahun 2006-2008 serta pengaruhnya terhadap minat. S1 thesis, Universitas Mercu Buana.

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Abstract

ABSTRACT This research is about the comparative analysis of saving sharing mudharabah system of BNI Syariah with Conventional system on saving interest at PT. BNI’46 years 2006-2008 and its influence on interest. The purpose of this research is to determine the influence of profit sharing system of BNI Syariah and BNI Interest Conventional system of interest and to determine the influence of profit sharing of BNI Syariah and BNI Interest Conventional system together of customer interest. This research uses casual method. The kind of data in use is secondary data. The data collection method uses in this research is a field research method. The data analysis method used in this research is multiple linear regression analysis. The result of this research will be showing. In term of profit or revenue to be received from customer though a rate of return comparison between saving mudharabah BNI Syariah Unit with Conventional savings (interest) in monthly Bank BNI during the periode 2006-2008 then a better system of providing benefits is the mudharabah savings system (profit sharing system) BNI Syariah Bussines Units. Based on t test result, can be seen that the only system for the Bank BNI Syariah Bussines Units have a significant effect on customer interest while the variable rate system in Conventional Bank BNI doesn’t have a significant effect customer interest. Based on f test result, can be seen that the variables of BNI Syariah and Conventional Interest system BNI Bank jointly have a significant effect on customer interest. Based on test result of multiple determination coefficient (R2), (R2). This means the independent variable in the research may explain the variable bound by 41,8%, while the remainding 58,2% can be explained by other variables that are not entered in this research.

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