INFLUENCE INFLATION, BI RATE, RATIO PROFIT SHARING, GDP AGAINST MUDHARABAH SAVINGS AT ISLAMIC COMMERCIAL BANKS
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Aug 31, 2023
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Abstract
Indonesia's economic development at the macro or micro level will affect the performance of BUS in Indonesia. Therefore, BUS must have the ability to adapt to economic developments and pay attention to future prospects. The growth of BUS can be seen from the amount of mudharabah savings deposits. Therefore, knowing the factors that influence mudharabah savings deposits is important. Many factors affect the amount of mudharabah savings deposits, including inflation, the BI rate, profit sharing ratio and GDP. The purpose of this study is to determine the influence of Inflation, BI Rate, Profit Sharing Ratio, GDP on Mudharabah Savings in Islamic Commercial Banks in Indonesia partially and simultaneously. This type of research is quantitative research using a descriptive approach. The data used is panel data with panel data regression analysis tools. Panel data regression testing uses the Eviews 12 software application. Using the Non-Probability Sampling Technique. The population in this study amounted to 13 BUS and a sample of 5 BUS was obtained. The results showed that partially the inflation and BI Rate variables had no significant influence on Mudharabah Savings. As for the variable Profit Sharing Ratio and GDP, it has a significant influence on Mudharabah Savings. Simultaneously (together) the independent variables (inflation, BI Rate, Profit Sharing Ratio and GDP) have a significant influence on Mudharabah Savings.
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RAFIKA, Lailatul; WARDANA, Guntur Kusuma.
INFLUENCE INFLATION, BI RATE, RATIO PROFIT SHARING, GDP AGAINST MUDHARABAH SAVINGS AT ISLAMIC COMMERCIAL BANKS.
Proceedings of the International Conference of Islamic Economics and Business (ICONIES), [S.l.], v. 9, n. 1, p. 97-110, aug. 2023.
ISSN 2541-3333.
Available at: <http://conferences.uin-malang.ac.id/index.php/iconies/article/view/2291>. Date accessed: 02 may 2024.
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References
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Alfarizi, M. K., & Christ, R. F. (2022). Inflation in July 2022 was the highest since 2015, Sri Mulyani explained the reasons. Tempo.Co. https://bisnis.tempo.co/read/1618101/inflasi-juli-2022-tertinggi-sejak-2015-sri-mulyani-beberkan-penyebabnya
Ansari, L. P. (2017). The Effect of Inflation Rates and Third Party Funds on Financing and the Implications for Income at Islamic Commercial Banks in Indonesia (Case Study of Bukopin Islamic Bank). Jurnal E-KOMBIS, III(1), 93–103.
Anwar, M. K. (2018). The Influence of Interest Rates, Inflation and Exchange Rates on Mudharabah Deposits (Study at Bank Syariah Mandiri Period 2010-2015). Jurnal Ilmiah. https://jimfeb.ub.ac.id/index.php/jimfeb/article/download/5047/4430
Batubara, Z., & Eko, N. (2020). Analysis of the Influence of Inflation, Exchange Rates and the BI Rate on Mudharabah Savings in Islamic Banking in Indonesia. JPS: Jurnal Perbankan Syariah, 1(1), 53–68.
Dewantara, F. (2021). Analysis of the distribution of the ratio in the Mudharabah contract between Shahibulmal and Mudharib in terms of legal and economic aspects of Sharia at Bank BNI Boyolali Sub-Branch Office. Fairness and Justice: Jurnal Ilmiah Ilmu Hukum, 19(2), 96–109.
http://jurnal.unmuhjember.ac.id/index.php/FAJ%0AAnalisis
Diyanto, V., & Enni, S. (2015). Factors Influencing the Growth of Mudharabah Deposits in Islamic Banks. Pekbis Jurnal: Jurnal Akuntansi Fakultas Ekonomi Universitas Riau, 7(3), 1689–1699.
Falahuddin, F., & Muchsal, M. (2019). The Effect of Profit Sharing Rates and the BI Rate on the Amount of Mudharabah Savings in Islamic Banks for the 2013-2018 Period. Jurnal Akuntansi Dan Keuangan, 7(2), 121–134. https://doi.org/https://doi.org/10.29103/jak.v7i2.1850
Farizi, F. Al, & Riduwan, A. (2016). Effects of Inflation, Interest Rates, Liquidity, and Profit Sharing on Mudharabah Deposits. Jurnal Ilmu Dan Riset Akuntansi (JIRA), 5(4), 1–16.
Febiola, Z., Suardy, W., & Rosa, E. S. (2021). The Effect of Mudharabah Savings and Musyarakah Financing on Profits Case Study at Five National Islamic Banks. JIMKES: Jurnal Ilmiah Manajemen Kesatuan, 9(3), 573–586. https://doi.org/10.37641/jimkes.v9i3.766
Hartinah, S. (2019). Pengaruh BI Rate dan Bagi Hasil terhadap Dana Pihak Ketiga (DPK) pada PT. Bank Muamalat Indonesia Tbk. Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri (IAIN) Padangsidimpuan.
Hartono, R. (2019). Concept and Calculation of Profit Sharing in Funding at Islamic Banks. Asy Syar’iyyah: Jurnal Ilmu Syari’ah Dan Perbankan Islam, 4(1), 1–22.
Ismail, I. (2016). Perbankan Syariah (Edisi Pertama). Jakarta: Prenamedia Group.
Jaya, T. J. (2020). Sharia Banking Branding Through Funding Products. Islamic Banking : Jurnal Pemikiran Dan Pengembangan Perbankan Syariah, 6(1), 69–80. https://doi.org/10.36908/isbank.v6i1.133
Julita, L. (2022). Ekonomi RI Bangkit dan Tumbuh 5,01%, Ini Penyebabnya. https://www.cnbcindonesia.com/news/20220509111814-4-337397/ekonomi-ri-bangkit-dan-tumbuh-501-ini-penyebabnya
Marhamah, I. (2017). Profit Sharing Rate, Liquidity Growth and Gross Domestic Product to Mudharabah Deposits. Al-Urban: Jurnal Ekonomi Syariah Dan Filantropfi Islam, 1(1), 15–25. https://doi.org/10.22236/alurban
Meyliana, D. (2017). Pengaruh Produk Domestik Bruto (PDB), Jumlah Bagi Hasil dan Jumlah Kantor terhadap Jumlah Deposito Mudharabah Bank Syariah di Indonesia Periode 2011-2015. Skripsi, (tidak dipublikasikan). Fakultas Ekonomi dan Bisnis UIN Syarif Hidayatullah Jakarta.
Mufraini, M. A., Wicaksono, A. T. S., Meylianingrum, K., Ningtyas, M. N., & Supriyono. (2020). Islamic bank financing: Finding the spatial influence and influencing factors from an archipelagic Indonesia. International Journal of Economic Policy in Emerging Economies, 13(1), 36–51. https://doi.org/10.1504/IJEPEE.2020.106681
Mulazid, A. S., Arief Mufraini, M., Saharuddin, D., & Wicaksono, A. T. S. (2020). Attributes of islamic bank service quality: A survey to map metropolitan customer satisfaction. International Journal of Business and Society, 21(2), 883–897. https://doi.org/10.33736/ijbs.3300.2020
Panorama, M. (2016). The Influence of Economic Growth, Inflation, Total Money Supply (M2) and the BI Rate on Mudharabah Savings in Islamic Banking in Indonesia in the 2005-2014 Period. Jurnal I-Economic, 2(1), 102–121.
Purnamasari, A. E. K. A., & Musdholifah. (2016). Analysis of Bank External and Internal Factors on the Financing Risk of Islamic Commercial Banks in Indonesia for the 2012-2015 Period. BISMA: Bisnis Dan Manajemen, 9(1). https://doi.org/https://doi.org/10.26740/bisma.v9n1.p13-25
Putricia, S. N., Choiriyah, C., & Muharir, M. (2021). The Effect of Profit Sharing on Mudharabah Savings Products on Customer Saving Interests at Bank Syariah Indonesia KCP KM 6 Palembang. JIPMA: Jurnal Ilmiah Mahasiswa Perbankan Syariah Sekolah Tinggi Ekonomi Dan Bisnis Syariah (STEBIS) Indo Global Mandiri, 1(2), 153–158. https://doi.org/10.36908/jimpa.v1i2.27
Rahmani, S. (2020). Factors Influencing Mudharabah Savings in Islamic Banking in Indonesia. JPS (Jurnal Perbankan Syariah), 1(2), 122–137. https://doi.org/10.46367/jps.v1i2.225
Ramadhani, E., & Guntur, K. W. (2021). The Influence of Inflation, BI 7 Day Repo Rate and Exchange Rate on the Margin of Murabahah Financing in Islamic Banking. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 6(3), 787–802. http://dx.doi.org/10.30651/jms.v6i3.9755
Reily, M. (2018). Akibat Tarif Listrik, Inflasi 2017 Tertinggi dalam 3 Tahun Masa Jokowi. Katadata.Co.Id. https://katadata.co.id/pingitaria/finansial/5e9a560c55991/akibat-tarif-listrik-inflasi-2017-tertinggi-dalam-3-tahun-masa-jokowi#:~:text=Suhariyanto menyatakan%2C pada 2017%2C penyebab,berkontribusi sebesar 0%2C81%25.
Romiana, R., & Mukhlis, M. N. (2019). The Effect of Profit Sharing Rates on Islamic Bank Deposits and Bank Indonesia Deposit Interest Rates on Total Mudharabah Deposits (Case Study at PT Bank Syariah Mandiri Period 2006-2016). Jurnal Ekonomika Indonesia, VIII(2), 82–89. https://ojs.unimal.ac.id/index.php/ekonomika/article/view/971
Rudiansyah, A. (2014). The Influence of Inflation, BI Rate, GDP and Rupiah Exchange Rate on Mudharabah Deposits in Islamic Banks in Indonesia. Jurnal Ilmu Manajemen, 2(2), 306–317.
Sinaga, A. (2016). Analysis of the Influence of Interest Rates (BI Rate), Profit Sharing, Inflation and Gold Prices on Total Mudharabah Deposits of Islamic Banking for the 2010-2015 Period. Analytica Islamica, 5(2), 315–341.
Solekah, N. A. (2013). Analysis of Factors Considered by Consumers in Saving at Islamic Financial Institutions. El Dinar, 1(1), 85–99. https://doi.org/10.18860/ed.v1i01.2518
Solikha, A. F. (2018). The Influence of Interest Rates, Profit Sharing Rates, Liquidity, Inflation, Bank Size and Gross Domestic Product Growth on Mudharabah Deposits of Islamic Commercial Banks in Indonesia. El-JIZYA: Jurnal Ekonomi Islam, 6(1), 1–22.
Wahyuningrum, R. N., & Anwar, A. Z. (2018). Analysis of the Influence of Inflation, Gross Domestic Product (GDP), and Exchange Rates on Mudharabah Savings in Islamic Commercial Banks (2013-2017 Period). Jurnal Ekonomi Syariah Indonesia, 8(2), 138–147.
Zakki, N. F., & Permatasari, D. (2020). The Effect of the BI Rate, Equivalent Rate and Number of Offices on the Collection of Third Party Funds (DPK) in Islamic Commercial Banks (Study on Islamic Commercial Banks in Indonesia Period 2014-2018). JPENSI: Jurnal Penelitian Ekonomi Dan Akuntansi, 5(2), 147–167. https://doi.org/10.30736/.v5i2.330
Alfarizi, M. K., & Christ, R. F. (2022). Inflation in July 2022 was the highest since 2015, Sri Mulyani explained the reasons. Tempo.Co. https://bisnis.tempo.co/read/1618101/inflasi-juli-2022-tertinggi-sejak-2015-sri-mulyani-beberkan-penyebabnya
Ansari, L. P. (2017). The Effect of Inflation Rates and Third Party Funds on Financing and the Implications for Income at Islamic Commercial Banks in Indonesia (Case Study of Bukopin Islamic Bank). Jurnal E-KOMBIS, III(1), 93–103.
Anwar, M. K. (2018). The Influence of Interest Rates, Inflation and Exchange Rates on Mudharabah Deposits (Study at Bank Syariah Mandiri Period 2010-2015). Jurnal Ilmiah. https://jimfeb.ub.ac.id/index.php/jimfeb/article/download/5047/4430
Batubara, Z., & Eko, N. (2020). Analysis of the Influence of Inflation, Exchange Rates and the BI Rate on Mudharabah Savings in Islamic Banking in Indonesia. JPS: Jurnal Perbankan Syariah, 1(1), 53–68.
Dewantara, F. (2021). Analysis of the distribution of the ratio in the Mudharabah contract between Shahibulmal and Mudharib in terms of legal and economic aspects of Sharia at Bank BNI Boyolali Sub-Branch Office. Fairness and Justice: Jurnal Ilmiah Ilmu Hukum, 19(2), 96–109.
http://jurnal.unmuhjember.ac.id/index.php/FAJ%0AAnalisis
Diyanto, V., & Enni, S. (2015). Factors Influencing the Growth of Mudharabah Deposits in Islamic Banks. Pekbis Jurnal: Jurnal Akuntansi Fakultas Ekonomi Universitas Riau, 7(3), 1689–1699.
Falahuddin, F., & Muchsal, M. (2019). The Effect of Profit Sharing Rates and the BI Rate on the Amount of Mudharabah Savings in Islamic Banks for the 2013-2018 Period. Jurnal Akuntansi Dan Keuangan, 7(2), 121–134. https://doi.org/https://doi.org/10.29103/jak.v7i2.1850
Farizi, F. Al, & Riduwan, A. (2016). Effects of Inflation, Interest Rates, Liquidity, and Profit Sharing on Mudharabah Deposits. Jurnal Ilmu Dan Riset Akuntansi (JIRA), 5(4), 1–16.
Febiola, Z., Suardy, W., & Rosa, E. S. (2021). The Effect of Mudharabah Savings and Musyarakah Financing on Profits Case Study at Five National Islamic Banks. JIMKES: Jurnal Ilmiah Manajemen Kesatuan, 9(3), 573–586. https://doi.org/10.37641/jimkes.v9i3.766
Hartinah, S. (2019). Pengaruh BI Rate dan Bagi Hasil terhadap Dana Pihak Ketiga (DPK) pada PT. Bank Muamalat Indonesia Tbk. Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri (IAIN) Padangsidimpuan.
Hartono, R. (2019). Concept and Calculation of Profit Sharing in Funding at Islamic Banks. Asy Syar’iyyah: Jurnal Ilmu Syari’ah Dan Perbankan Islam, 4(1), 1–22.
Ismail, I. (2016). Perbankan Syariah (Edisi Pertama). Jakarta: Prenamedia Group.
Jaya, T. J. (2020). Sharia Banking Branding Through Funding Products. Islamic Banking : Jurnal Pemikiran Dan Pengembangan Perbankan Syariah, 6(1), 69–80. https://doi.org/10.36908/isbank.v6i1.133
Julita, L. (2022). Ekonomi RI Bangkit dan Tumbuh 5,01%, Ini Penyebabnya. https://www.cnbcindonesia.com/news/20220509111814-4-337397/ekonomi-ri-bangkit-dan-tumbuh-501-ini-penyebabnya
Marhamah, I. (2017). Profit Sharing Rate, Liquidity Growth and Gross Domestic Product to Mudharabah Deposits. Al-Urban: Jurnal Ekonomi Syariah Dan Filantropfi Islam, 1(1), 15–25. https://doi.org/10.22236/alurban
Meyliana, D. (2017). Pengaruh Produk Domestik Bruto (PDB), Jumlah Bagi Hasil dan Jumlah Kantor terhadap Jumlah Deposito Mudharabah Bank Syariah di Indonesia Periode 2011-2015. Skripsi, (tidak dipublikasikan). Fakultas Ekonomi dan Bisnis UIN Syarif Hidayatullah Jakarta.
Mufraini, M. A., Wicaksono, A. T. S., Meylianingrum, K., Ningtyas, M. N., & Supriyono. (2020). Islamic bank financing: Finding the spatial influence and influencing factors from an archipelagic Indonesia. International Journal of Economic Policy in Emerging Economies, 13(1), 36–51. https://doi.org/10.1504/IJEPEE.2020.106681
Mulazid, A. S., Arief Mufraini, M., Saharuddin, D., & Wicaksono, A. T. S. (2020). Attributes of islamic bank service quality: A survey to map metropolitan customer satisfaction. International Journal of Business and Society, 21(2), 883–897. https://doi.org/10.33736/ijbs.3300.2020
Panorama, M. (2016). The Influence of Economic Growth, Inflation, Total Money Supply (M2) and the BI Rate on Mudharabah Savings in Islamic Banking in Indonesia in the 2005-2014 Period. Jurnal I-Economic, 2(1), 102–121.
Purnamasari, A. E. K. A., & Musdholifah. (2016). Analysis of Bank External and Internal Factors on the Financing Risk of Islamic Commercial Banks in Indonesia for the 2012-2015 Period. BISMA: Bisnis Dan Manajemen, 9(1). https://doi.org/https://doi.org/10.26740/bisma.v9n1.p13-25
Putricia, S. N., Choiriyah, C., & Muharir, M. (2021). The Effect of Profit Sharing on Mudharabah Savings Products on Customer Saving Interests at Bank Syariah Indonesia KCP KM 6 Palembang. JIPMA: Jurnal Ilmiah Mahasiswa Perbankan Syariah Sekolah Tinggi Ekonomi Dan Bisnis Syariah (STEBIS) Indo Global Mandiri, 1(2), 153–158. https://doi.org/10.36908/jimpa.v1i2.27
Rahmani, S. (2020). Factors Influencing Mudharabah Savings in Islamic Banking in Indonesia. JPS (Jurnal Perbankan Syariah), 1(2), 122–137. https://doi.org/10.46367/jps.v1i2.225
Ramadhani, E., & Guntur, K. W. (2021). The Influence of Inflation, BI 7 Day Repo Rate and Exchange Rate on the Margin of Murabahah Financing in Islamic Banking. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 6(3), 787–802. http://dx.doi.org/10.30651/jms.v6i3.9755
Reily, M. (2018). Akibat Tarif Listrik, Inflasi 2017 Tertinggi dalam 3 Tahun Masa Jokowi. Katadata.Co.Id. https://katadata.co.id/pingitaria/finansial/5e9a560c55991/akibat-tarif-listrik-inflasi-2017-tertinggi-dalam-3-tahun-masa-jokowi#:~:text=Suhariyanto menyatakan%2C pada 2017%2C penyebab,berkontribusi sebesar 0%2C81%25.
Romiana, R., & Mukhlis, M. N. (2019). The Effect of Profit Sharing Rates on Islamic Bank Deposits and Bank Indonesia Deposit Interest Rates on Total Mudharabah Deposits (Case Study at PT Bank Syariah Mandiri Period 2006-2016). Jurnal Ekonomika Indonesia, VIII(2), 82–89. https://ojs.unimal.ac.id/index.php/ekonomika/article/view/971
Rudiansyah, A. (2014). The Influence of Inflation, BI Rate, GDP and Rupiah Exchange Rate on Mudharabah Deposits in Islamic Banks in Indonesia. Jurnal Ilmu Manajemen, 2(2), 306–317.
Sinaga, A. (2016). Analysis of the Influence of Interest Rates (BI Rate), Profit Sharing, Inflation and Gold Prices on Total Mudharabah Deposits of Islamic Banking for the 2010-2015 Period. Analytica Islamica, 5(2), 315–341.
Solekah, N. A. (2013). Analysis of Factors Considered by Consumers in Saving at Islamic Financial Institutions. El Dinar, 1(1), 85–99. https://doi.org/10.18860/ed.v1i01.2518
Solikha, A. F. (2018). The Influence of Interest Rates, Profit Sharing Rates, Liquidity, Inflation, Bank Size and Gross Domestic Product Growth on Mudharabah Deposits of Islamic Commercial Banks in Indonesia. El-JIZYA: Jurnal Ekonomi Islam, 6(1), 1–22.
Wahyuningrum, R. N., & Anwar, A. Z. (2018). Analysis of the Influence of Inflation, Gross Domestic Product (GDP), and Exchange Rates on Mudharabah Savings in Islamic Commercial Banks (2013-2017 Period). Jurnal Ekonomi Syariah Indonesia, 8(2), 138–147.
Zakki, N. F., & Permatasari, D. (2020). The Effect of the BI Rate, Equivalent Rate and Number of Offices on the Collection of Third Party Funds (DPK) in Islamic Commercial Banks (Study on Islamic Commercial Banks in Indonesia Period 2014-2018). JPENSI: Jurnal Penelitian Ekonomi Dan Akuntansi, 5(2), 147–167. https://doi.org/10.30736/.v5i2.330