ANALISIS PENGARUH INFLASI, BI RATE, CURRENCY EXCHANGE (SEBAGAI VARIABEL INTERVENING) TERHADAP PEMBIAYAAN MURABAHAH PADA BANK SYARIAH MANDIRI TAHUN 2013-2018

Abstract

The title of this research is: "Analysis of the Influence of Inflation, Currency Exchange Rates and BI Rate on Murabahah Financing at Bank Syariah Mandiri (BSM) in 2013-2018." The formulation of the problems in this study are: 1) What is the effect of inflation on murabaha financing in Bank Mandiri Syariah (BSM) in 2013-2018? ?, 3) What is the effect of the BI Rate on murabaha financing at Bank Mandiri Syariah (BSM) in 2013-2018 ?. 4) Does inflation, currency rates and bi rates have a simultaneous effect on murabaha financing at Bank Mandiri Syariah (BSM) in 2013-2018?. While the research method used is descriptive quantitative research methods in the form of time series that is research on financial statements, and testing data using the SPPS program. The results obtained are: First, t arithmetic (1,731)> t table (1,724), so that Ha is accepted and Ho is rejected, it can be concluded that inflation has a significant and significant influence on murabaha financing at PT. Bank Syariah Mandiri for the period March 2013 to December 2018. Second, t arithmetic (0.212) <t table (1.724), so that Ha is rejected and Ho is accepted, it can be concluded that the currency exchange rate has no significant and significant effect on murabahah financing. third, t arithmetic (0.303) <t table (1.724), so that Ha is rejected and accepts Ho, it can be concluded that the persial bi rate has no effect and is not significant to murabaha financing. And F count> F table (3.168> 2.87) with a significant value of 0.000 <α = 5% (0.05). And Fourth: This means that there is a significant influence jointly between all independent variables (inflation, currency rates and bi rates) on the dependent variable (murabahah financing) at PT. Bank Syariah Mandiri for the period March 2013 to September 2018.