Mudharabah Deposits Research Articles

Pengaruh Suku Bunga Acuan dan Financing To Deposit Ratio (FDR) terhadap Tingkat Distribusi bagi Hasil Deposito Mudharabah pada PT. Bank Sumut Syariah

Bank Sumut Syariah in Indonesia is a bank that carries out its business in accordance with Islamic principles. This research aims to determine the effect of reference interest rates and Financing to deposit ratio (FDR) on the distribution level of profit sharing from mudharabah deposits at PT. North Sumatra Sharia Bank. This research uses a quantitative approach, with the data source used is secondary data. This research uses secondary data and literature study from 2018-2022. Secondary data is a source of research data obtained by research indirectly through intermediary media (obtained and recorded by other parties). The analysis techniques used in this research include classical assumption test analysis, linear regression test, hypothesis test, namely the t test, F test and coefficient of determination (R2) using SPSS 20 software. The research results show that it partially explains the value of the interest rate. Reference and Financing to Deposit Ratio (FDR) have a significant and positive effect on the distribution level of profit sharing from mudharabah deposits. Then partially explained that simultaneously the Reference Interest Rate (X1), Financing to Deposit Ratio (FDR) (X2), had a significant and positive effect on the level of distribution of profits from mudharabah deposits at PT. North Sumatra Sharia Bank.

PENGARUH ROA DAN BOPO TERHADAP TINGKAT BAGI HASIL DEPOSITO MUDHARABAH PADA BPRS DI KOTA BEKASI PERIODE 2020-2022

Profit sharing is a system that includes procedures for sharing business results between providers of funds and fund managers. This research aims to determine the effect of ROA and BOPO on the profit sharing rate of mudharabah deposits. The method in this research is quantitative. Using secondary data, the number of samples is 60 . The information analysis method is in the form of descriptive statistics and multiple linear regression tests. Research results prove that ROA and BOPO jointly affect the profit sharing rate for mudharabah deposits, ROA can partially affect the profit sharing rate for mudharabah deposits, BOPO can also partially affect the profit sharing rate for mudharabah deposits.

The Effect of Macro-indicators, Profit Sharing on Mudharabah Deposits: Evidence from Indonesia

This research seeks to ascertain how interest rates, GDP, and profit-sharing relate to mudharabah savings in Islamic commercial banks. This study employs a quantitative research design and measures its findings using a panel data regression approach. Sharia commercial banks that registered with the Financial Services Authority (OJK) between 2016 and 2020 make up the research population. There were 180 observations in total in this study because the sample was chosen using the purposive sampling method and included a total of nine Sharia commercial banks. This study employed secondary data, specifically quarterly financial reports. The study's findings demonstrate that mudharabah deposits benefit from interest rates. Mudharabah benefits from the amount of profit sharing. deposits. Mudharabah deposits are positively impacted by the GDP. It is well recognized that the amount of mudharabah savings is influenced by GDP, a measure of people's income. The managerial ramifications of how GDP, profit-sharing, and interest rates affect mudharabah deposits can be very significant in a financial context. Interest rates, income uncertainty, and risk management minutes. Profit sharing, compliance with Sharia principles, and product development and portfolio management.

Penyelesaian Wanprestasi Simpanan Deposito Akad Mudharabah yang Tidak Dikembalikan oleh Pihak KSU Syariah BMT Berlian

Default is an act of violation of an agreement between two parties. When one party is unable to carry out its obligations in accordance with the existing agreement, then this action can be fully said to be a default. Mudharabah deposits are deposits of funds with a scheme where the owner of the funds (shahibul maal) entrusts his funds to be managed by the bank (mudharib) with the results obtained shared between the owner of the funds and the bank with the ratio agreed upon from the start. This research aims to analyze the factors that cause default of unreturned mudharabah contract deposits in Decision Number 37/Pdt.G/2018/PN Bau and to analyze the settlement of default of unreturned mudharabah contract deposits in Decision Number 37/Pdt.G/2018/PN Bau. The focus of this research covers the settlement of default of mudhrabah contract deposits that are not returned by the bank. This research uses a qualitative normative juridical method through a statutory approach using secondary legal data consisting of primary legal materials, secondary legal materials and tertiary legal materials. Based on the results of the research, it can be concluded that the factors causing default of mudharabah contract customer deposits that are not returned by KSU Syariah BMT Berlian, namely the first cause of default is the negligence of one of the parties. Second, the parties deliberately violated the contract agreement and violated Article 36 of the Compilation of Sharia Economic Law. The settlement of the default case of mudharabah contract deposits that were not returned by the KSU Syariah BMT Berlian was that the Panel of Judges had decided the case in accordance with statutory regulations, namely Article 1246 of the Civil Code and also contained in Article 38 of the Compilation of Sharia Economic Law.

The Influence of Inflation, Exchange Rates, and Profit Sharing Amounts on Muharabah Deposits in Sharia Banks (Study of Aceh Sharia banks for the 2018-2022 period)

This study aims to look at the effect of inflation, exchange rates, and profit sharing on muharabah deposits at Islamic banks (Aceh Syariah bank study for the 2018-2022 period. The data used in this research is secondary data for the 2018-2022 period. The method used to analyze the relationship between variables namely multiple regression.The results showed that partially inflation had no effect on mudharabah deposits at Bank Aceh Syariah, the exchange rate had a positive and significant effect on mudharabah deposits at Bank Aceh Syariah.Profit sharing had a positive and significant effect on mudharabah deposits at Bank Aceh Sharia This shows that the higher the profit sharing, the mudharabah deposits will increase Simultaneously inflation, exchange rates and profit sharing have a positive and significant effect on mudharabah deposits at Bank Aceh Syariah.

Pengaruh Tabungan Mudharabah, Deposito Mudharabah Terhadap Pembiayaan Mudharabah Pada BPRS Di Indonesia Priode 2019-2022

This study aims to determine how the influence of Mudharabah Savings, Mudharabah Deposits on Mudharabah Financing at BPRS in Indonesia for the period 2019-2022. This research uses quantitative research methods. The results of the study were tested with multiple linear regression using the IBM SPSS_24 programme, while the data collection of BPRS in Indonesia for the 2019-2022 period was directly obtained after conducting research on BPRS in Indonesia for the 2019-2022 period. The sample technique in this study is to use saturated sampling or total sample, namely sampling when all populations are used as samples. Based on the t-test test that the Mudharabah Savings variable (X1) has a tcount value < ttable (10.789 < 2.201), and the Mudharabah Deposit variable (X2) has a tcount value> ttable (1.435 > 2.201), this proves that there is no effect of Mudharabah Savings (X1) on the increase in Mudharabah Financing at BPRS in Indonesia priode 2019-2022 persially while the Mudharabah Deposit variable (X2) has an influence on Mudharabah Financing at BPRS in Indonesia priode 2019-2022. And based on the results of the F-test data analysis shows that simultaneously or together the Mudharabah Savings (X1) and Mudharabah Deposit (X2) variables simultaneously affect Mudharabah Financing (Y), where the sig value is 0.158

EXCEPTIONAL RATIO ON DEPOSITS IN A SHARIAH ECONOMIC PERSPECTIVE: A STUDY IN BANK MUAMALAT INDONESIA

This study aims to (1) find out the particular ratio calculation for Muamalat Bank Deposits, in this case, the Super Blessing Mudharabah Deposit, and (2) To find out a review of the sharia economic perspective regarding the particular ratio calculation. This research uses a qualitative approach. Data was collected through observation and interview techniques. The results showed that profit sharing depends on the magnitude of HI-1000 each month, so the magnitude of the revenue share continues to change every month. It is different from conventional banks, where profit sharing is very dependent on the interest rate agreed at the beginning. On the other hand, the distribution of an exceptional ratio is only given to deposit customers with a nominal value above IDR 100,000,000. If the nominal is under IDR 100,000,000, the customer will only get the counter ratio according to what the bank determines

The Impact of Profit Sharing Ratio on the Amount of Mudharabah Deposits at Islamic Banks in Indonesia During the Period 2018-2022

This study aims to analyze the effect of profit sharing ratios on mudharabah deposits in Islamic banks in Indonesia during the 2018-2022 period. The research method used is secondary research. Hypothesis testing in this study was carried out using simple linear regression analysis using panel data from the annual financial reports of 10 Islamic banks in Indonesia registered with the Financial Services Authority (OJK) in 2022. This analysis uses SPSS version 22 software. The results of the study reveal that the impact of the profit sharing ratio on total mudharabah deposits is explored through a simple linear regression equation: Y = 11.705 + 0.187X + e The coefficient of the impact of the profit sharing ratio on mudharabah deposits is statistically significant, with a calculated t value of 2.238 which exceeds the t table value of 0.67906. This indicates rejection of the null hypothesis (Ho) and acceptance of the alternative hypothesis (Ha). The coefficient of determination of 0.095 indicates that about 9.5% of the variation in mudharabah deposits can be explained by variations in the profit sharing ratio. The remaining 90.5% is influenced by other factors not included in this model.

ANALISIS MAQASID SYARIAH DALAM PENGEMBANGAN PRODUK PADA BANK SYARIAH INDONESIA (BSI) DI KOTA SAMARINDA

Bank Syariah Indonesia was established on May 17, 2000. Although Sharia banking products and services have grown rapidly in recent years, there are still obstacles, such as the lack of public knowledge about Sharia banking products and services. This is because some people still prefer conventional banking products that are considered more familiar and easier to understand. The purpose of this research is to identify the products available at Bank Syariah and analyze their Shariah Maqasid and strategies.
 The study was conducted from September 2022 to February 2023 at 5 BSI branch offices in Samarinda. The research method used was a descriptive study with a qualitative approach, and the data was collected through documentation analysis of the BSI products available on its official website. The data was then analyzed using Miles and Huberman's formula.
 The results showed that BSI's products include Hifz al-Maal savings account, Ishlah (improvement) Mudharabah deposit, Tazkiyah (purification) Sharia financing, Hifz al-Maal (wealth protection) Sharia credit card, Kaffah (balance) Sharia home financing, and Sharia investment to maintain balance and community welfare. The strategies that can be taken to promote Sharia banking include improving product quality, developing technology-based products that meet the needs of the public, and collaborating with the government.

Analisis Pengaruh Kinerja Keuangan Terhadap Bagi Hasih Deposito Mudharabah Bank Umum Syariah di Indonesia Periode 2017-2022


 
 
 
 The goal of this study was to examine the impact of various factors on the profit-sharing level of Mudharabah deposits held by fully-fledged Islamic banks, including profitability level, profitability level, financing risk level, liquidity level, operational efficiency level, and capital adequacy level. A quantitative descriptive method with panel data regression analysis techniques was used in this investigation. The approaches used for data collecting included documentation and literature study. 168 observational data were collected across 7 Full-Fledged Islamic Banks over the course of six years, from 2017 to 2022. The findings demonstrated that the profit sharing rate of Mudharabah deposits was significantly influenced by the levels of profitability, financing risk, liquidity, operational efficiency, and capital sufficiency at the same time. The amount of profitability, the level of financing risk, and the level of operational efficiency all somewhat influence the profit-sharing rate for Mudharabah deposits in a positive and significant way. The profit sharing rate of Mudharabah deposits is unaffected by both liquidity and capital adequacy levels.
 Keywords: Financial ratio, signaling theory, level of profit sharing mudaraba deposits
 
 
 
 

The Effect Of Profit Sharing Payments, Financial Deposit Ratio, Company Size On Mudharabah Deposits

This study aims to analyze the effect of the payment of Profit Sharing, Financing to Deposit Ratio (FDR), and Company Size on Mudharabah Deposits at Islamic Commercial Banks in Indonesia. There are 13 Islamic Commercial Banks and the sample used is 11 banks. This type of research is quantitative research. The unit of analysis used in this research is the annual reports of Islamic commercial banks from 2015 to 2020.
 The results of the study show that profit sharing and company size have a significant effect on mudharabah deposits in Islamic banking in Indonesia. A number of profit-sharing payments make customers interested in making mudharabah deposits at Islamic banks, on the one hand the task of Islamic banks is to provide satisfaction for customers with usury-free practices. This usury-free practice may not provide as many benefits as conventional banks, but the amount of profit-sharing payments and the size of this company have had a significant influence on the value of mudharabah deposits. Banks that have a company size that is categorized as large will have more assets and capital funds, so that Islamic banks can manage business funds more from many sources that can bring benefits to Islamic banks. The Muslim community in Indonesia believes in Islamic banking operations, which makes them open savings deposits at Islamic banks. The effect of the Debt to Ratio financial ratio is not significant to mudharabah deposits, which means this debt ratio, in this study sample the average FDR at Islamic banks is high which makes it not significant to mudharabah deposits, on the one hand the profit sharing payments in this study are significant.

The Determinants of Profit-Loss Sharing Financing of Islamic Banks in Indonesia

Profit-loss sharing financing is one of the leading business activities carried out by Islamic banks, including buying, selling, and leasing. Thus, it is important to identify the determinants of profit-loss sharing financing of Islamic banks. This study examines the effect of capital adequacy ratios, non-performing financing, third party funds, and profit-sharing rate on mudharabah deposits of Islamic banks in Indonesia. Eleven Islamic banks in Indonesia from 2015 to 2019 periode were selected as sample of the study using purposive sampling. Data analysis using Partial Least Square with SmartPLS software version 3.3.7. The study results indicate that third-party funds have a significant positive effect on profit-loss sharing financing. The increasing number of third-party funds that Islamic banks have collected from customers impacts increasing distribution in the form of profit-loss sharing financing. The study results also indicate that the capital adequacy ratio, non-performing financing, and profit-sharing rate on mudharabah deposits do not affect profit-loss sharing financing. The implications for Islamic banks are to maintain the amount of third-party funds collection and compliance with sharia principles.

ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI NASABAH MELAKUKAN DEPOSITO MUDHARABAH PADA BANK SYARIAH DI KOTA PALOPO

This study aims to determine the analysis of the factors that influence customers to make mudharabah deposits at Islamic banks in the city of Palopo. The data collection method used is direct questionnaires which are distributed directly to customers at Bank Muamalat Palopo City. The population in this study were all customers of Bank Muamalat Palopo City and the determination of the sample using the slovin formula technique with a total sample of 98 respondents. The data analysis technique used is multiple linear regression analysis. Based on the results of multiple linear regression analysis shows that the profit sharing ratio and promotion costs simultaneously have a significant effect on mudharabah deposits at Bank Muamalat Palopo City.

Pengaruh CAR, BOPO, FDR Dan NPF Terhadap Tingkat Bagi Hasil Mudharabah Dimediasi ROA Di Bank Umum Syariah Indonesia

Funding products at Islamic Banks can be in the form of demand deposits, savings and time deposits. One of the most popular fund products is mudharabah deposits. The most popular sharia banking product is mudharabah deposits. Mudharabah as a fund collector that provides the largest proportion of total DPK and is not bound by third parties because the withdrawal will be made at a certain time. Mudharabah contract as a collection of funds that provides the largest proportion of the total DPK of Islamic banks. Mudharabah is also an investment product that is not bound by a third party because the withdrawal will be made at a certain time. This study wants to test whether the Capital Adequacy Ratio (CAR), Operating expenses to operating income (BOPO), Financing to Deposit Ratio (FDR) and Non-Performing Financing (NPF) have a direct and indirect effect on mudharabah at Indonesian Sharia Commercial Banks in 2017 - 2021. The type in this research is quantitative research with the method. In this study, a documentation study was used using path analysis. Based on the results of the study, it shows that the Capital Adequacy Ratio (CAR) has a direct effect on mudharabah, Operating expenses on operating income (BOPO) has an effect on mudharabah, Financing to Deposit Ratio (FDR) has no effect on mudharabah, Non Performing Financing (NPF) has no effect on mudharabah , indirectly the Capital Adequacy Ratio (CAR) has an effect on mudharabah mediated through ROA, BOPO has an effect on mudharabah through mediated Return On Assets (ROA), Financing to Deposit Ratio (FDR) has no effect on mudharabah mediated through Return On Assets (ROA) , Non Performing Financing (NPF) has no effect on mudharabah mediated through Return On Assets (ROA).

The Influence of ROA, BOPO and CAR on The Profit Sharing Rate of Mudharabah Deposits at Bank Muamalat Indonesia 2012-2021

The development of the Islamic economy is currently quite rapid, marked by the development of Islamic financial institutions. The development of Islamic financial institutions, especially Islamic banking is quite extensive until now. This study aims to examine the effect of the ratio of return on assets (ROA), Operational Expenses on Operating Income (BOPO) and Capital Adequacy Ratio (CAR) on the Profit Sharing Rate of Mudharabah Deposits at Bank Muamalat Indonesia for the period 2012-2021. This research is a quantitative research using multiple linear regression analysis technique as statistical analysis. The results of this study indicate that the variable X, namely ROA, BOPO and CAR has no effect on the Profit Sharing Rate for Mudharabah Deposits where the F sign value is 0.12. Whereas in the partial test ROA and BOPO have no effect on the Profit Sharing Rate for Mudharabah Deposits where the sign value of t is 0.15 and 0.58. The coefficient of determination shows an R-Square of 58%. So it can be concluded that the diversity of variable y can be explained by variable x by 58%. Based on the analysis the value of ROA, BOPO and CAR ratio has no effect on the Profit Sharing Rate for Mudharabah.

Pengaruh Tabungan Mudharabah, Deposito Mudharabah Dan Pembiayaan Mudharabah Terhadap Peningkatan Laba Bank

This study aims to determine the effect of mudharabah deposits and mudharabah savings both partially and simultaneously on the profitability of banks in Indonesia. The data used in this study are data collected from annual reports published by banks in Indonesia that are registered in 2022. The analytical technique used in this study is multiple linear regression analysis. The results of data analysis show that mudharabah deposits have a partial positive and significant effect on profitability, mudharabah savings have a partial positive effect but not significant. Mudharabah deposits and mudharabah savings simultaneously affect profitability.

Implikasi Kinerja Keuangan terhadap Tingkat Bagi Hasil Deposito Mudharabah dengan Profitabilitas sebagai Variabel Mediator: Studi pada Bank Umum Syariah

This research aims to determine the direct and indirect effects of financial performance on Islamic Commercial Banks such as NPF, FDR and BOPO to the level of profit sharing on mudharabah deposits through ROA as a mediator variable in Islamic Commercial Banks for the 2015-2020 period. The data analysis used are Path Analysis and Sobel Test. The research findings indicated that the direct influence of NPF, BOPO, ROA have a positive effect on the rate of profit sharing on mudharabah deposits, FDR had no effect on the rate of profit sharing on mudharabah deposits, NPF had a positive effect on ROA, FDR had no effect on ROA, and BOPO had a negative effect on ROA whilst the indirect effect showed that ROA can mediate NPF and BOPO on the rate of profit sharing on mudharabah deposits, and ROA cannot mediate FDR on the rate of profit sharing on mudharabah deposits

Kajian Konsep Akad dan Jenis Produk Perhimpunan Dana Bank Syariah di Indonesia

Research on contracts and savings products of Islamic banks is essential amid understanding that some people still equate Islamic banks and conventional banks. The purpose of the study is to explain the concept of contracts and types of Islamic banking savings products to explain the differences in sharia and in theory Islamic banking products and conventional banks. The research uses a literature study method with a normative juridical approach (theory, the Qur'an, hadith, and MUI fatwas). Based on the results of the study that the product of Islamic bank fund associations and conventional banks have differences in terms of the contract principles used. The principle of Islamic bank funding products (savings) contracts uses Wadi'ah (funding without reward) contracts and Syarikah-Mudharabah (profit sharing) contracts, so that Islamic bank savings products are wadi'ah current accounts deposit (Giro wadi'ah), wadi'ah savings (tabungan wadi'ah), mudharabah current accounts (giro mudharabah), mudharabah savings (tabungan mudharabah) and mudharabah deposits (deposito Mudharabah). Whereas conventional banks only demand deposits (giro), savings (Tabungan) and deposits (deposito) with an interest (Usuri) system. whereas bank interest is a usury contract forbidden in Islam

Marketing Strategy of Mudharabah Deposit Products at Bank Syariah Indonesia

This article discusses one of the safe investment instruments, namely mudharabah deposits at Bank Syariah Indonesia. Reviewing the marketing strategy that has been carried out and reviewing the SWOT analysis of the product. This article aims to find out the marketing strategies that have been carried out by BSI and their application in the field. This research uses descriptive qualitative research methods, involving BSI employees and related literature. The result of this study is that there are several marketing strategies used by BSI, namely through telemarketing, means of customer service by calling customers who have funds in BSI savings to place their funds in deposit products; social media, by offering deposit products with flayers uploaded via social media; mobile banking, by means of a mobile deposit feature that can be accessed through BSI mobile banking which is certainly safer.

The Influence of Islamic Marketing Ethics on Customer Interest in Using Mudharabah Savings Products at BMT Ar-Rahmah Arta Syariah Mojokerto

It intends to examine the effect of shiddiq, al-adl, al-Amanah, service, and piety on consumer interest in utilizing mudharabah savings products both partially and concurrently in scientific writing. BMT Ar-Rahmah Arta Syariah Mojokerto is the subject of this study, which will take place between 2021 and 2022. The method employed is multiple linear regression analysis, and the type of research used is a quantitative research using more than one variable. Classic assumption tests, multiple linear regression equation tests, and hypothesis testing are examples of multiple linear regression analysis methods. Siddiq (X1), Al-Adl (X2), Al-Amanah (X3), Service (X4), and Takwa (X5) were the five independent variables in this study (X5). The interest of customers in adopting the mudharabah deposit product is the dependent variable (Y). Siddiq, al-adl, al-Amanah, service, and take all had partial and simultaneous effects on customer interest in adopting mudharabah savings products, according to the findings