Faktor-Faktor yang Mempengaruhi Jumlah Penghimpunan Dana Pihak Ketiga (Deposito Mudharabah 1 Bulan) Bank Muamalat Indonesia (BMI)

ANI ANDRIYANTI, S.E. & WASILAH, S.E.,Ak.,M.E.

This research aims to analyze the factors that influencing deposit level (Mudharabah deposit for the period of 1 month) at Bank Muamalat Indonesia. The variables are deposit rate for the period 1 month at conventional bank (DEP_RATE), rate of return from Mudharabah deposit for the period of 1 month at Islamic bank (YDM_LAG), Financing to Deposit Ratio (FDR), inflation, size of Islamic Bank (LN_SIZE), and Mudharabah deposit for the period of 1 month (LN_DEPOSITO). The result of this research indicates that DEP_RATE, YDM_LAG, Inflation, and size of bank are influence the growth of deposit level in Islamic bank. Positive effect and significant can be indicated by YDM_LAG, Inflation, and LN_SIZE variables. And negative effect and significant can be indicated by DEP_RATE variable. For the FDR variable, it doesn’t have significant influence on the growth of deposit level.

Keywords: Mudharabah deposit for the period of 1 month (LN_DEPOSITO), deposit rate at conventional bank (DEP_RATE), rate of return from Mudharabah deposit at Islamic bank (YDM_LAG), Financing to deposit Ratio (FDR), Inflation, and SIZE (Ukuran Bank).

Islamic banking is fundamentally a financial industry that has a number of fundamental differences in main activity compared with conventional banking. One main difference lies in the determination of return that would be obtained by depositors. Islamic banks are not merely profit-oriented, but also carry out social missions. Besides uniqueness, islamic bank also has a variety of financing products wider than the conventional commercial banks and we can be sure that the enterprises are financed should be based on Islamic law and has no element makruh. However, in line with the development of Islamic banks remains a new concept of the banking world and yet can compete with conventional banks that have been established much earlier.

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Jurnal Simposium Nasional Akuntansi XIII (SNA 13)
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