NITA, NITA (2019) PENGARUH PROFITABILITAS, FINANCING TO DEPOSIT RATIO (FDR), DAN KECUKUPAN MODAL TERHADAP TINGKAT BAGI HASIL DEPOSITO MUDHARABAH (Studi Empiris Pada Bank Umum Syariah Periode 2015 – 2017). S1 thesis, Universitas Mercu Buana.
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Abstract
Mudharabah deposits are the same as time deposits at conventional banks, but mudharabah deposits use a profit sharing system, while deposits in conventional banks use the interest system. The profit sharing rate in Islamic banks is an interesting indicator to study because it uses the concept of profit sharing ratio for the percentage of income earned. This causes large or small rewards for fund owners not only determined by the greater portion of profit sharing by customers, but also by the quality of the distribution of funds by banks. This study aims to analyze the effect of profitability, Financing to Deposit Ratio (FDR), and capital adequacy to the level of profit sharing of mudharabah deposits in Islamic Commercial Banks. The population used is quarterly financial statements of all Islamic Commercial Banks in Indonesia for the period 2015-2017. The sampling technique uses a purposive sampling method, namely 6 selected Islamic Commercial Banks. In this study using multiple regression analysis using SPSS 21 software. Based on the results of this study indicate that profitability and capital adequacy have a significant effect on the level of profit sharing of mudharabah deposits. Whereas Financing to Deposit Ratio (FDR) does not affect the rate of profit sharing of mudharabah deposits. Keywords: Profitability, Financing to Deposit Ratio (FDR), Capital Adequacy, Level of Profit Sharing of Mudharabah Deposits. Deposito mudharabah sama seperti deposito berjangka pada bank konvensional, namun deposito mudharabah menggunakan system bagi hasil, sedangkan deposito pada bank konvensional menggunakan system bunga. Tingkat bagi hasil pada bank syariah menjadi indikator yang menarik untuk diteliti karena menggunakan konsep nisbah bagi hasil atas persentase pendapatan yang diperoleh. Hal ini menyebabkan besar atau kecilnya imbalan bagi pemilik dana tidak semata ditentukan oleh makin besarnya porsi bagi hasil oleh nasabah, melainkan juga oleh kualitas penyaluran dana oleh bank. Penelitian ini bertujuan untuk menganalisis pengaruh profitabilitas, Financing to Deposit Ratio (FDR), dan kecukupan modal terhadap tingkat bagi hasil deposito mudharabah pada Bank Umum Syariah. Populasi yang digunakan adalah laporan keuangan triwulan seluruh Bank Umum Syariah di Indonesia periode 2015-2017. Teknik pengambilan sampel menggunakan metode purposive sampling yaitu 6 Bank Umum Syariah yang dipilih. Pada penelitian ini menggunakan analisis regresi berganda dengan menggunakan perangkat lunak SPSS 21. Berdasarkan hasil penelitian ini menunjukan bahwa profitabilitas dan kecukupan modal berpengaruh signifikan terhadap tingkat bagi hasil deposito mudharabah .Sedangkan Financing to Deposit Rasio (FDR) tidak berpengaruh terhadap tingkat bagi hasil deposito mudharabah. Kata kunci :Profitabilitas, Financing to Deposit Ratio (FDR), Kecukupan Modal, Tingkat Bagi Hasil Deposito Mudharabah.
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