FAKTOR-FAKTOR YANG MEMPENGARUHI TINGKAT BAGI HASIL DEPOSITO MUDHARABAH DI BMT HANIVA CABANG BANTUL PERIODE TAHUN 2013-2015

ANI SURYANTI NINGSIH, NIM. 12391008 (2016) FAKTOR-FAKTOR YANG MEMPENGARUHI TINGKAT BAGI HASIL DEPOSITO MUDHARABAH DI BMT HANIVA CABANG BANTUL PERIODE TAHUN 2013-2015. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

Several studies have found that the behavior of customers in choosing BMT is driven by the profit factor. Thus, it becomes important enough for BMT to maintain quality levels for the results provided to its customers. Level for the yield on the BMT is influenced by various factors that can be divided into two parts, internal factors and external factors. External factors are systematic risk that can not be controlled by a business unit, while the internal factor is the unsystematic risk is some what influenced by the management of a business unit. This study aims to provide clarity about the level of influence FDR (Financing to Deposits Ratio), ROA (Return on Assets), CAR (Capital Adequacy Ratio), NPF (Non Performing Financing), and interest rates on the level for the deposits mudharabah at BMT Haniva in the period 2013- 2015. This research is the study of causality using a multiple linear regression analysis. This research includes applied research category often called applied research. This study uses quantitative data ie data measured in a numerical scale (numbers) are collected by the database retrieval techniques then arranged pooling. The period of research conducted monthly beginning in January-December 2013 until January - December 2015 amounted to 36. The combined so that data independent variables of this study can explain the variability of the rate for BMT out comes. For partial test only FDR, ROA, CAR is able to significantly affect the level of profit sharing mudharabah savings BMT. T test results conclude that NPF and interest rates negatively affect the level of profit sharing mudharabah deposits. The findings were quite interesting is the negative effect of conventional bank interest rates on the level profit sharing. This is different from previous studies which stated that the positive effect on the interest rate for the deposits mudharabah level, and indicates that conventional bank interest rates can not be used as a benchmark (benchmark) in determining the level of revenue sharing mudharabah deposits at BMT.

Item Type: Thesis (Skripsi)
Additional Information / Pembimbing: H. Muh. Yazid Afandi, M. Ag.,
Uncontrolled Keywords: Level Sharing, FDR, ROA, CAR, NPF, Interest Rates, BMT Haniva.
Subjects: Keuangan Syariah
Divisions: Fakultas Ekonomi dan Bisnis Islam > Keuangan Syariah (S1)
Depositing User / Editor: H. Zaenal Arifin, S.Sos.I., S.IPI.
Date Deposited: 14 Dec 2016 01:55
Last Modified: 14 Dec 2016 01:55
URI: http://digilib.uin-suka.ac.id/id/eprint/22850

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