PENGARUH CAPITAL ADEQUACY RATIO (CAR) DAN FINANCING TO DEPOSIT RATIO (FDR) TERHADAP TINGKAT BAGI HASIL DEPOSITO MUDHARABAH PADA BANK UMUM SYARIAH (BUS) (PERIODE 2018 - 2023)

Lisa, Anggraini (2024) PENGARUH CAPITAL ADEQUACY RATIO (CAR) DAN FINANCING TO DEPOSIT RATIO (FDR) TERHADAP TINGKAT BAGI HASIL DEPOSITO MUDHARABAH PADA BANK UMUM SYARIAH (BUS) (PERIODE 2018 - 2023). Diploma thesis, UIN Raden Intan Lampung.

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Abstract

ABSTRAK Faktor yang menjadi pertimbangan masyarakat dalam menginvestasikan dananya di Bank Syariah adalah faktor return bagi hasil. Salah satunya melalui deposito mudharabah. Indikasi tingkat bagi hasil deposito mudharabah dipengaruhi oleh faktor internal yaitu terkait dengan kinerja keuangan bank syariah yang tercermin dalam rasio-rasio keuangan seperti Capital Adequacy Ratio (CAR) dan Financing to Deposit Ratio (FDR). Penelitian ini bertujuan untuk menganalisis pengaruh Capital Adequacy Ratio (CAR) dan Financing to Deposit Ratio (FDR) terhadap Tingkat Bagi Hasil Deposito Mudharabah pada Bank Umum Syariah periode 2018-2023. Populasi pada penelitian ini adalah seluruh bank umum syariah di Indonesia periode 2018-2023. Sampel dipilih dengan menggunakan metode purposive sampling. Total sampel yang digunakan sesuai dengan kriteria dalam penelitian ini yaitu berjumlah 8 Bank Umum Syariah. Penelitian ini menggunakan metode kuantitatif dengan jenis data sekunder. Metode analisis yang digunakan untuk penelitian ini adalah metode regresi data panel yang diolah menggunakan Eviews 10. Hasil penelitian ini menunjukkan secara bersama-sama (simultan) variabel Capital Adequacy Ratio (CAR) dan Financing to Deposit Ratio (FDR) berpengaruh secara signifikan terhadap Tingkat Bagi Hasil Deposito Mudharabah. Secara parasial variabel Capital Adequacy Ratio (CAR) berpengaruh positif dan signifikan terhadap Tingkat Bagi Hasil Deposto Mudharabah. Sedangkan variabel Financing to Deposit Ratio (FDR) tidak berpengaruh terhadap Tingkat Bagi Hasil Deposito Mudharabah pada Bank Umum Syariah di Indonesia periode 2018-2023. Kata Kunci: Capital Adequacy Ratio (CAR) dan Financing to Deposit Ratio (FDR), Tingkat Bagi Hasil, Deposito Mudharabah dan Bank Umum Syariah. ABSTRACK The factor that is considered by the public in investing their funds in Islamic banks is the profit sharing return factor. One of them is through mudharabah deposits. The indication of the level of mudharabah deposit profit sharing is influenced by internal factors, namely related to the financial performance of Islamic banks as reflected in financial ratios such as Capital Adequacy Ratio (CAR) and Financing to Deposit Ratio (FDR). This study aims to analyze the effect of Capital Adequacy Ratio (CAR) and Financing to Deposit Ratio (FDR) on the Mudharabah Deposit Profit Sharing Rate at Islamic Commercial Banks for the period 2018-2023. The population in this study were all Islamic commercial banks in Indonesia for the period 2018-2023. The sample was selected using purposive sampling method. The total sample used in accordance with the criteria in this study amounted to 8 Islamic Commercial Banks. This research uses quantitative methods with secondary data types. The analysis method used for this research is the panel data regression method which is processed using Eviews 10. The results of this study indicate that together (simultaneously) the Capital Adequacy Ratio (CAR) and Financing to Deposit Ratio (FDR) variables have a significant effect on the Mudharabah Deposit Profit Sharing Rate. Parasially, the Capital Adequacy Ratio (CAR) variable has a positive and significant effect on the Mudharabah Deposit Profit Sharing Rate. While the Financing to Deposit Ratio (FDR) variable has no effect on the Mudharabah Deposit Profit Sharing Rate at Islamic Commercial Banks in Indonesia for the period 2018-2023. Keywords: Capital Adequacy Ratio (CAR) and Financing to Deposit Ratio (FDR), Profit Sharing Rate, Mudharabah Deposits and Islamic Commercial Banks.

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