Pengaruh Bagi Hasil terhadap Jumlah Nasabah Deposito Mudharabah BPRS Amanah Ummah

Abstract

The principle of profit sharing in syaria'ah banking is the main and most important principle, because profit (profit sharing) is the reward (wages) for business and capital while Mudharabah deposits are time deposits with a Mudharabah agreement where the owner of the funds (shahibul maal) entrusts his funds by the bank to be managed or acts as a mudharib with profit sharing according to the agreed ratio from the start The purpose of this study is to analyze whether the nominal profit sharing has an effect on the number of Mudharabah deposit customers at BPR Syariah Amanah Umah period 2013–2015. The sample in this study is BPR Syariah Amanah Ummah for the period 2013-2015. This type of research is a quantitative research with the methods of collecting interview data, documentation and observation. The data used in this study are secondary data obtained from published financial data and from interviews with BPRs. The analytical tool used is linear regression, then the data is processed using SPSS 21 to test classical assumptions and hypothesis testing. 

Results of analysis Based on the results of the t test above, it can be seen that the profit sharing

of 12 months deposits and the presence of an office have a positive and significant e ffect in influencing the variable number of Mudharabah deposit customers and negatively affecting the profit sharing of 6 months deposits. Based on the results of the F statistical test above, it can be seen that all independent variables (6 months profit sharing, 12 months profit sharing and office presence) together have a significant effect on the number of deposit customers at BPR Syariah Amanah Ummah Based on the coefficient of determination (R² ) amounting to 0.557 which means the number of Mudharabah customers at BPR Syariah Amanah Ummah can be explained by independent variables of 55.7% and the remaining 45.3% is influenced by other variables outside of this research model.