PENGARUH NISBAH BAGI HASIL DAN TINGKAT SUKU BUNGA TERHADAP JUMLAH TABUNGAN MUDHARABAH PADA BANK MUAMALAT INDONESIA (BMI)

RIYANTI, RIYANTI (2012) PENGARUH NISBAH BAGI HASIL DAN TINGKAT SUKU BUNGA TERHADAP JUMLAH TABUNGAN MUDHARABAH PADA BANK MUAMALAT INDONESIA (BMI). S1 thesis, Universitas Negeri Jakarta.

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Abstract

ABSTRACT Riyanti. The influence of Profit Sharing Ratio and the Interest Rate Ratio to Total Mudaraba Savings on Bank Muamalat Indonesia (BMI). Faculty of Economics, State University Of Jakarta. 2012. This research conducted to determine how big the influence of Profit Sharing Ratio and the Interest Rates either simultaneously or partiallyon to Total Mudaraba Savings. The resources in this study is the profit sharing ratio data from Financial Reports BMI (Bank Muamlat Indonesia), the economis statistic of savings interest rate obtained from Bank Indonesia and data on the Mudaraba savings from the Financial Reports BMI (Bank Muamalat Indonesia). The research method used is Expose Facto and analysis Model of the multiple linier regression analysis by the method of OLS (Ordinary Last Square). From the hypothesis tests stated that the F test, the independent variables Profit Sharing Ratio (X1) and the Interest Rate Ratio (X2) influence simultaneously on Total Mudaraba Savings (Y), where F count > F table than Ho is declined and Ha accepted, which means that the overall these factors influence the independent variables simultaneously to Total Mudaraba Savings, with F count (55.709) > F table (3.32) and below the 0.05 significance level is 0.000 which the R square 0.874 or 87.4% and the rest 12.6% explained by other variables not included in the model. The results of the analysis explains that there are negative and significant influence of the variable interest rate(X2) on Total Mudaraba Savings (Y) with t count (10.357) > t table (2.0369). Thus indicates that the Interest Rates Variable is the most dominant influence on Total Mudaraba Savings, or in other words that people prefer save their money in convensional Bank when the interest rates high. Meanwhile variable Profit sharing Ratio (X1) had no significant.

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