PERILAKU NASABAH PERBANKAN SYARIAH DALAM MERESPON KENAIKAN BI RATE

Authors

  • Muhammad Agus Fauzi Fakultas Ekonomi, Universitas Wahid Hasyim

DOI:

https://doi.org/10.31942/akses.v12i24.2276

Abstract

Abstract

This study aims to examine the effect of BI rate on Third Party Funds of Syariah Banking in Indonesia. Using the time series data from January 2010 until September 2017, this study tested the hypothesis by using autoregressive method. The results show that the BI rate has a negative effect on the Third Party Fund of Sharia Banking significantly. It shows that the motives of sharia banking customers in Indonesia in investing the funds is the profit motive, not the mashlahah motive as expected in Islam.

 

Keywords: Customer, Third Party Fund, BI Rate

 

Abstrak

Penelitian ini bertujuan untuk menguji pengaruh BI rate terhadap Dana Pihak Ketiga Perbankan Syariah di Indonesia. Dengan menggunakan data time series periode Januari 2010-September 2017, penelitian ini menguji hipotesis dengan menggunakan analisis metode kelambanan/ autoregresif. Hasil penelitian menunjukkan bahwa BI rate berpengaruh negatif terhadap Dana Pihak Ketiga Perbankan Syariah secara signifikan. Hal ini menunjukkan bahwa motif nasabah perbankan syariah di Indonesia dalam menginvestasikan dananya adalah motif laba, bukan motif mashlahah sebagaimana yang diharapkan dalam Islam.

 

Kata Kunci: Nasabah, Dana Pihak Ketiga, BI Rate

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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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