PENGARUH TINGKAT SUKU BUNGA, JUMLAH BAGI HASIL, LQ 45, DAN RASIO KEUANGAN TERHADAP SIMPANAN MUDHARABAH PADA BANK SYARIAH DI INDONESIA

- Sabarudin, Akhfi Mustika Sari

Abstract

Abstract: Growth of Islamic banks signaled that public confidence in Islamic banks increased. This study aimed to examine the effect of interest rates, LQ 45, financial ratios CAR, FDR, and BOPO of the mudaraba deposits. This research is explanatory research. Sampling technique using purposive sampling method. Classical assumption test performed prior to testing hypotheses include: test for normality, multicollinearity test, test correlation, and heteroscedasticity test. Hypothesis testing, which is used multiple linear regression. The results showed that the level of interest rates, LQ 45, FDR Financial ratio and BOPO is significantly negative effect on mudaraba deposits in Islamic banks in Indonesia. The amount of profit-sharing and financial ratios CAR positive and significant effect on mudaraba deposits in Islamic banks in Indonesia.
Keywords: Interest Rate, Profit sharing, LQ 45 and Financial Ratios.
Abstrak: Pertumbuhan bank-bank Islam mengisyaratkan bahwa kepercayaan publik di bank-bank Islam meningkat. Penelitian ini bertujuan untuk menguji pengaruh suku bunga, LQ 45, rasio keuangan CAR, FDR, dan BOPO dari deposito mudharabah. Penelitian ini merupakan penelitian penjelasan. Teknik pengambilan sampel menggunakan metode purposive sampling. Uji asumsi klasik yang dilakukan sebelum menguji hipotesis meliputi: uji normalitas, uji multikolinearitas, uji korelasi, dan uji heteroskedastisitas. Pengujian hipotesis, yang digunakan regresi linier berganda.Berdasarkan hasil penelitian menunjukkan bahwa tingkat suku bunga, LQ 45, rasio keuangan FDR dan BOPO berpengaruh negatif signifikan terhadap deposito mudharabah di bank syariah di Indonesia. Jumlah bagi hasil dan rasio keuangan CAR berpengaruh positif dan signifikan terhadap deposito mudharabah di bank syariah di Indonesia.
Kata kunci: tingkat suku bunga, jumlah bagi hasil, LQ 45, rasio keuangan

Keywords

tingkat suku bunga; jumlah bagi hasil; LQ 45; rasio keuangan

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