PENGARUH TRANSMISI KEBIJAKAN MONETER ISLAM DAN FAKTOR VARIABEL MAKRO EKONOMI TERHADAP PEMBIAYAAN MUDHARABAH DI BANK UMUM SYARIAH

Ahmad, Ferdiansyah (2026) PENGARUH TRANSMISI KEBIJAKAN MONETER ISLAM DAN FAKTOR VARIABEL MAKRO EKONOMI TERHADAP PEMBIAYAAN MUDHARABAH DI BANK UMUM SYARIAH. Diploma thesis, UIN Raden Intan Lampung.

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Abstract

ABSTRAK Penelitian ini bertujuan untuk mengetahui pengaruh transmisi kebijakan moneter Islam, inflasi, nilai tukar, dan Produk Domestik Bruto (PDB) terhadap pembiayaan mudharabah pada Bank Umum Syariah di Indonesia periode 2018–2024. Penelitian ini menggunakan metode kuantitatif dengan data sekunder yang diperoleh dari Bank Indonesia, Otoritas Jasa Keuangan (OJK), dan Badan Pusat Statistik (BPS). Pengolahan data dilakukan menggunakan program SPSS 26. Alat analisis yang digunakan meliputi uji statistik deskriptif, uji asumsi klasik (uji normalitas, multikolinearitas, heteroskedastisitas, dan autokorelasi), regresi linier berganda, uji t, uji F, serta koefisien determinasi (R²). Hasil penelitian menunjukkan bahwa secara parsial transmisi kebijakan moneter Islam tidak berpengaruh signifikan terhadap pembiayaan mudharabah. Variabel inflasi berpengaruh signifikan terhadap pembiayaan mudharabah, nilai tukar berpengaruh signifikan terhadap pembiayaan mudharabah, dan PDB juga berpengaruh signifikan terhadap pembiayaan mudharabah. Secara simultan, keempat variabel tersebut berpengaruh signifikan terhadap pembiayaan mudharabah. Nilai Adjusted R² sebesar 0,960 menunjukkan bahwa 96% variasi pembiayaan mudharabah dapat dijelaskan oleh variabel transmisi kebijakan moneter Islam, inflasi, nilai tukar, dan PDB, sedangkan 4% sisanya dijelaskan oleh variabel lain di luar model. Penelitian ini menunjukkan bahwa kondisi makroekonomi seperti inflasi, nilai tukar, dan PDB memiliki peran penting dalam mendorong peningkatan pembiayaan mudharabah pada Bank Umum Syariah. Sementara itu, transmisi kebijakan moneter Islam belum memberikan pengaruh yang kuat terhadap penyaluran pembiayaan. Temuan ini dapat menjadi masukan bagi otoritas moneter dan perbankan syariah untuk meningkatkan efektivitas instrumen kebijakan serta memperkuat pengelolaan pembiayaan berbasis bagi hasil. Kata Kunci: Kebijakan Moneter Islam, Inflasi, Nilai Tukar, PDB, Pembiayaan Mudharabah. ABSTRACT This study aims to examine the influence of Islamic monetary policy transmission, inflation, exchange rates, and Gross Domestic Product (GDP) on mudharabah financing at Sharia Commercial Banks in Indonesia for the period 2018–2024. This study uses a quantitative method with secondary data obtained from Bank Indonesia, the Financial Services Authority (OJK), and the Central Statistics Agency (BPS). Data processing was carried out using SPSS 26. The analytical tools used include descriptive statistical tests, classical assumption tests (normality test, multicollinearity, heteroscedasticity, and autocorrelation), multiple linear regression, t test, F-test, and the coefficient of determination (R²). The research results indicate that partially, the transmission of Islamic monetary policy does not have a significant effect on mudharabah financing. The inflation variable has a significant effect on mudharabah financing, the exchange rate has a significant effect on mudharabah financing, and GDP also has a significant effect on mudharabah financing. Simultaneously, these four variables have a significant effect on mudharabah financing. An Adjusted R² value of 0.960 indicates that 96% of the variation in mudharabah financing can be explained by the variables of Islamic monetary policy transmission, inflation, exchange rate, and GDP, while the remaining 4% is explained by other variables outside the model. This study shows that macroeconomic conditions such as inflation, exchange rate, and GDP play an important role in driving the increase of mudharabah financing in Islamic Commercial Banks. Meanwhile, the transmission of Islamic monetary policy has not yet had a strong impact on the distribution of financing. This finding can serve as input for monetary authorities and Islamic banks to improve the effectiveness of policy instruments and strengthen the management of profit-sharing-based financing. Keywords: Islamic Monetary Policy, Inflation, Exchange Rate, GDP, Mudharabah Financing.

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