ANALISIS DEPOSITO MUDHARABAH BANK SYARIAH DI INDONESIA Tahun 2012 - 2016

Authors

  • Yepri Endika Program Magister Ekonomi dan Keuangan, Universitas Islam Indonesia Yogyakarta

DOI:

https://doi.org/10.31942/akses.v12i24.2275

Abstract

Abstract

 

This study is entitled "Analysis of Bank Syariah Mudharabah deposits in Indonesia Year 2012 - 2016". This study aims to analyze the factors that influence the development of the collection of Mudharabah deposits at Bank Syariah in Indonesia January 2012 to December 2016. The analysis model is a model of Autoregresive Distributed Leg (ARDL), with time series data on January 2012 to December 2016 sourced from Statistics Indonesia, the Financial Services Authority and Bank Indonesia. Statistical testing include t-test, F test and R-square (coefficient) and test the classical assumption of Heteroskedastity and autocorrelation. Based on the test results F External and Internal Factors (Variable Spread, Production and Inflation Index, Rupiah exchange rate variable, the gold price and the Indonesian Sharia Stock Index) on a long-term significant influence amounted to 95,91 % against Mudharabah deposits. In the short term a significant influence amounted to 48,5% against against Mudharabah deposits. T test results variable Inflation, Production Index (t, t-1, t-2), Exchange Rate, and ISSI (t-1) in the short term a significant influence on the accumulation of Mudharabah deposits and other variables are not significant.

 

Keywords: Mudharabah, ARDL, Spread, ProductIndex, Inflation, Exchange Rates.

 

Abstrak

 

Penelitian ini berjudul “Analisis Deposito Mudharabah Bank Syariah di Indonesia Tahun 2012 - 2016â€. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhi perkembangan pengumpulan Deposito Mudharabah pada Bank Syariah di Indonesia bulan Januari 2012 sampai Desember 2016. Model analisis yang digunakan adalah model Autoregresive Distributed Leg (ARDL), dengan data time series Januari 2012 sampai Desember 2016 yang bersumber dari Badan Pusat Statistik Indonesia, Bursa Efek Indonesia, Otoritas Jasa Keuangan dan Bank Indonesia. Pengujian statistik yang digunakan meliputi uji t, Uji Wald, uji F dan R-square (koefisien determinasi) serta uji asumsi klasik yaitu Heteroskedastisitas, Autokorelasi dan Normalitas. Berdasarkan Hasil Uji F Faktor Eksternal dan Internal (variabel Spread, Produksi Indek dan Inflasi, variabel Kurs Rupiah, Harga Emas dan Indek ISSI) pada jangka panjang berpengaruh signifikan sebesar 95,91 % terhadap terhadap Deposito Mudharabah. Dalam jangka pendek berpengaruh signifikan sebesar 48,5 % terhadap Deposito Mudharabah. Dari hasil Uji t variabel Inflasi, Produksi Indek (t, t-1, t-2), Kurs Rupiah, ISSI (t-1) dalam jangka pendek mempunyai pengaruh yang signifikan teradap penghimpunan deposito mudharabah dan variabel lainnya yang tidak berpengauh secara signifikan.

 

Kata Kunci: Mudharabah, ARDL, Spread, Produk Indeks, Inflasi, Kurs

 

 

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Published

2018-08-23

Issue

Vol. 12 No. 24 (2017): AKSES: JURNAL EKONOMI DAN BISNIS

Section

Articles

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