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Analisis Perilaku Menabung Masyarakat Dalam Deposito Pada Bank Syari’Ah Paska Fatwa Mui Tentang Keharaman Bunga
[Saving Deposits in Bank Syari'ah After MUI Fatwa on Prohibition of Interest Rates]

Author

Listed:
  • Nizar, Muhammad Afdi

Abstract

Sejak tahun 1992, perbankan syariah telah beroperasi secara paralel dengan perbankan konvensional dalam menjalankan fungsi sebagai lembaga intermediari, baik dalam rangka pengumpulan dan penyaluran dana maupun kegiatan jasa perbankan lainnya. Dengan karakteristik produk dan jasa keuangan yang berbeda dari perbankan konvensional, keberadaan perbankan syariah telah membuka peluang yang lebih besar bagi masyarakat untuk menetapkan pilihan simpanan dan investasi dalam portfolio mereka. Salah satu produk yang ditawarkan perbankan syariah adalah deposito mudharabah. Studi ini mencoba mengkaji perilaku menabung masyarakat dalam deposito mudharabah dengan memperhatikan pengaruh bagi hasil yang ditawarkan deposito tersebut. Seiring dengan itu juga akan dianalisa dampak fatwa MUI tentang keharaman bunga terhadap perubahan perilaku menabung masyarakat dalam deposito bank syariah. Berdasarkan analisa yang dilakukan dapat disimpulkan bahwa secara keseluruhan, dalam periode studi bagi hasil yang ditawarkan bank syariah bukan lagi merupakan faktor dominan yang memengaruhi perilaku menabung masyarakat dalam deposito. Namun dengan memecah periode studi menjadi dua periode untuk mengetahui dampak fatwa MUI ditemukan bahwa dalam periode sebelum fatwa MUI, perilaku menabung masyarakat dalam deposito bank syariah tidak terpengaruh dengan perubahan bagi hasil. Sementara itu, dalam periode setelah fatwa, pilihan masyarakat untuk menempatkan dana deposito pada bank syariah sangat dipengaruhi oleh perubahan bagi hasil. Merujuk pada hasil studi ini, kalangan perbankan syariah tidak cukup hanya mengandalkan pada pendekatan religius-emosional (halalharam) untuk mendorong minat menabung masyarakat. Pendekatan yang lebih profesional dengan memperhatikan rasionalitas nasabah juga harus digunakan. Selain itu, perbankan syariah perlu menawarkan produk-produk yang lebih inovatif tanpa mengabaikan aspek syari’ah compliance. Perluasan jaringan kantor dan perbaikan pelayanan adalah upaya lain yang tidak boleh diabaikan oleh perbankan syariah untuk menjaring jumlah nasabah yang lebih besar.

Suggested Citation

  • Nizar, Muhammad Afdi, 2007. "Analisis Perilaku Menabung Masyarakat Dalam Deposito Pada Bank Syari’Ah Paska Fatwa Mui Tentang Keharaman Bunga [Saving Deposits in Bank Syari'ah After MUI Fatwa on Prohibition of Interest Rates]," MPRA Paper 65611, University Library of Munich, Germany.
  • Handle: RePEc:pra:mprapa:65611
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    References listed on IDEAS

    as
    1. Nomani Farhad, 2003. "The Problem of Interest and Islamic Banking in a Comparative Perspective: The Case of Egypt, Iran and Pakistan," Review of Middle East Economics and Finance, De Gruyter, vol. 1(1), pages 36-69, January.
    2. Hasan, Zubair, 1985. "Macro Consumption Function in an Islamic Framework by Fahim Khan: Comments," MPRA Paper 3185, University Library of Munich, Germany.
    3. Hasan, Zubair, 2005. "Treatment of Consumption in Islamic Economics: An Appraisal," MPRA Paper 3059, University Library of Munich, Germany.
    4. Zubair Hasan, 1985. "M. Fahim Khan: Macro Consumption Function in an Islamic Framework, Comments: Zubair Hasan محمد فهيم خان: وظيفة الاستهلاك الكلي في إطار إسلامي - تعليق: زبير حسن," Journal of Research in Islamic Economics, King Abdulaziz University, Islamic Economics Institute., vol. 2(2), pages 71-73, July.
    Full references (including those not matched with items on IDEAS)

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    More about this item

    Keywords

    akad; riba; fatwa; syariah compliance; profit-loss sharing; bagi hasil; wadi’ah; mudharabah.;
    All these keywords.

    JEL classification:

    • E21 - Macroeconomics and Monetary Economics - - Consumption, Saving, Production, Employment, and Investment - - - Consumption; Saving; Wealth
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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