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Apakah ekonomi makro berpengaruh terhadap tingkat deposito Mudharabah?

Author

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  • Khairunnisa Rifqi Amalias
  • Heri Sudarsono

Abstract

Purpose: This study aims to determine the effect of macroeconomics on mudharabah deposits in Islamic banks. Methods: This study uses monthly data from January 2014 to December 2018. The unit root test is carried out to determine the stationarity of the data, then a cointegration test is carried out to determine the long-term relationship. Finally, the error correction test is carried out using the Error Correction Model (ECM). Findings: Production index (IP) has a positive effect on the level of mudharabah deposits (DM), but inflation (INF) and interest rates (INT) show a negative effect. On the other hand, the level of liquidity (FDR) has no effect on mudharabah deposits. Application: Islamic banks need to carry out a number of innovations needed to increase mudharabah deposits, such as increasing the profit sharing ratio so that mudharabah deposits are more competitive than conventional interest-based banks. Originality: There has not been much research on the effect of macroeconomics, especially the production index on the level of mudharabah deposits Abstrak Tujuan: Penelitian ini memiliki tujuan unutk mengetahui pengaruh ekonomi makro terhadap tingkat deposito mudharabah bank syariah di Indonesia Metode: Penelitian ini mengunakan data bulanan dari Januari 2014 hingga Desember 2018. Langkah dilakukan uji akar unit untuk mengetahui stasioneritas data, kemudian dilakukan uji kointegraikan untuk mengetahui hubungan jangka panjang. Terakhir, uji koreksi kesalahan dilakukan dengan mengunakan Error Correction Model (ECM). Temuan: Indeks produksi (IP) berpengaruh positif terhadap tingkat deposito mudharabah (DM), namun inflasi (INF) dan suku bunga (INT) menunjukkan pengaruh negatif. Di lain pihak, tingkat likuiditas (FDR) tidak berpengaruh terhadap deposito mudharabah. Aplikasi. Bank syariah perlu melakukan sejumlah inovasi yang diperlukan untuk meningkatkan deposito mudharabah, seperti meningkatkan nisbah bagi hasil agar deposito mudharabah lebih kompetitif dibanding bank konvensional yang berbasis pada bunga Orisinalitas: Belum banyak penelitian pengaruh ekonomi makro, terutama indek produksi terhadap tingkat deposito mudharabah.

Suggested Citation

  • Khairunnisa Rifqi Amalias & Heri Sudarsono, 2022. "Apakah ekonomi makro berpengaruh terhadap tingkat deposito Mudharabah?," Jurnal Kebijakan Ekonomi dan Keuangan, Jurusan Ilmu Ekonomi, Fakultas Bisnis dan Ekonomika, Universitas Islam Indonesia, vol. 1(1), pages 27-38.
    • Handle: RePEc:uii:jrjkek:v:1:y:2022:i:1:p:27-38:id:24445
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